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PUBLIC DOCUMENT .... .... No. 9. 



FORTY-FIRST ANNUAL REPORT 



OF THE 



Insurance Commissioner 



CnnxmniTforaltlj of litassarjwsjetis* 



January 1, 1896. 



PART II. 

LIFE, CASUALTY AND ASSESSMENT INSURANCE. 



BOSTON : 
WRIGHT & POTTER PRINTING CO., STATE PRINTERS, 
18 Post Office Square. 
1896. 



. M ,*n.rynnV'^l.CfflSF.TT; 



'JUN IS 1896 



Is*** 



TABLE OF CONTENTS 



[For Index to Companies, see end of volume.] 



COMMISSIONER'S REPORT. 

Page 

Introductory, v 

The Subject of Rebatino vi 

Non-forfeiture Legislation in Massachusetts, x 

The Act of 1861, . . . . x 

The Act of 1880, . . xiii 

The Amendment of 1887, xiv 

Quotations from.the Author of the Insurance Value Plan, .... xiv 

Purpose of the Author of the Law, xvi 

"Where the Burden of the Law falls, xvii 

Comparison with the Requirements of the Laws of Other States, . . xviii 

A Quest for Relief and Fairness, xviii 

Table of Surrender Charges and Surrender Values of Endowment Policies 

under Various Laws, xx 

The Aftermath of the Endowment Swindles, ..... xxii 

Finally settled xxii 

Pending Settlement, . . . xxiii 

Small Corporations closed, xxiv 

Finally closed, xxiv 

Pending Settlement, xxv 

The Question of State Supervision, xxvi 

Statistical Tables, Ratios, etc. (Regular Life) : 

Table A. — Summary of Income, Expenditures, Assets, Liabilities, etc., . xxx 

Table B. — Ratio of Real Estate and Other Investments to Gross Assets, . xxxii 

Table C. — Disbursements in Detail, xxxvi 

TableD. — Ratio of Expenses to Mean Amount insured, .... xl 

Table E. — Claims by Death in 1895, with Ratios, etc., .... xlii 

Table F. — Policies issued, terminated and gained in 1895, . . . xliv 

Table G. — Classification of Policies and Insurance in Force, . . . xlvi 

Table H. — Policies ceased in 1895, with Mode of Termination, . . xlviii 

Table I. — Massachusetts Business, 1895, 1 

Table J. — Miscellaneous Insurance Corporations — Accident, Fidelity, 

etc., lii 

Massachusetts Life Insurance Companies, 1 

Life Insurance Companies of Other States, 43 



IV TABLE OF CONTENTS. 

Page 

Accident and Guarantee Companies, 219 

Summary of the Business of Assessment Life, Casualty and Frater- 
nal Corporations : 

Table 1. — Assets, Income and Expenditures, 288 

Table 2. — Certificates issued, ceased and in force, with Massachusetts 

Business, 290 

Fraternal Beneficiary Associations : 

Table 3. — Title, Location, Officers, 292 

Table 4. — Income, Expenditures, Assets, Membership 310 

DETAILED STATEMENTS. 

Assessment Life and Casualty Companies, 327 

Fraternal Beneficiary Associations, . . . . . . . 381 

Appendix, 417 

Suggestions for Legislation, 419 

Examinations of Life Companies, 423 

Index, 431 



Cammoitbxealffr of lltassaxfrtisttis. 



Insurance Department, Boston, May 7, 1896. 
To the Honorable the Senate and House of Representatives. 

Herewith, in compliance with the provisions of law, is sub- 
mitted Part II. of the forty-first annual report of this depart- 
ment, relating to life and casualty insurance, containing also 
abstracts of the reports of the assessment and fraternal benefi- 
ciary corporations. 

The department has been able during the past year to par- 
tially recover the lost ground which the extraordinary work of 
the preceding year placed upon it, and, as in the case of the 
fire report, this volume is issued materially in advance of the 
date of that of last year. 

There has been no change during the year in the list of the 
level premium companies transacting business in the Common- 
wealth. 

The accompanying tables so fully set forth in detail the busi- 
ness of the year and present for the information of the public 
such a concise statement of the condition of the companies, 
that it seems unnecessary for the commissioner to more than 
call attention to the facts and figures thus furnished. 

Under the statute of last year, providing for the closing of 
the affairs of fraternal beneficiary corporations where the mem- 
bership had fallen below one hundred, several of these have 
been placed in the hands of a receiver by decree of the supreme 
judicial court, and the details as to their condition and abstracts 
will be found hereafter. Several of these corporations had ab- 
solutely no funds, and therefore, under the provisions of law, 
the small necessary expense of closing the same through the 
office of the Insurance Commissioner was borne by the Com- 
monwealth. 



VI REPORT OF THE 



The Subject of Rebating. 

The subject of rebates of life insurance premiums has been 
treated exhaustively by officers, agents, insurance departments 
and the public journals. Many remedies have been suggested 
and laws have been enacted to assist in their suppression. The 
evil had become so great and its effects upon the business so 
pernicious that it seemed plain to almost every one that, unless 
it was soon discontinued, the consequence to the whole interest 
must be most disastrous, and as the ultimate remedy radical leg- 
islative interposition would be inevitable. It was perfectly clear 
that the effective remedy was in the hands of the companies, if 
only they could be brought into concerted action. This had 
been attempted from time to time, but, whatever plan was 
devised, there always proved to be a hitch somewhere, — some 
pet agent kicked, or some one imagined his business was being 
sinfully trifled with, or some old jealousy was fanned up, — 
something invariably happened to break the frail tenure by 
which the mischief was sought to be restrained, and away went 
the whole crowd again in an intensified scramble. 

At last it was suggested that some State department, having 
a strong law behind it, might be availed of as a standard about 
which all could rally and make an effective stand. After con- 
siderable consultation, it was quite generally agreed that the 
Massachusetts commissioner should make the attempt. 

In pursuance of this suggestion, the following invitation was 
sent to the various life insurance companies, which resulted 
in the holding of a meeting of representatives in New York, 
October 12 of last year : — 

Boston, Sept. 4, 1895. 

Dear Sir : — You are entirely familiar with the anti-rebate laws of 
this Commonwealth, and understand that they were passed with the 
expectation of enforcement. In large degree these statutes were 
enacted at the urgent request of the life insurance companies, and, 
while it is true that within Massachusetts they have been very gener- 
ally upheld by the representatives of the companies, it is an admitted 
fact that to some extent here and in large degree elsewhere the pro- 
visions of these laws are notoriously violated. Several of the com- 
panies are making earnest efforts to compel their representatives to 
maintain the law ; others apparently are making no such effort. If 



INSURANCE COMMISSIONER. VI) 

we could have, on the part of the companies who really desire to have 
these statutes respected, action so heroic as to impress the sincerity of 
the movement upon every life insurance agent, there is reason to be- 
lieve that the desired end might be reached. 

Permit me, therefore, to make the suggestion that, inasmuch as it 
is for the interest of the policy-holders of all companies, as well as 
those who may hereafter become such, and equally in the interest of 
the agents and the companies, that the statutes against rebating 
should be enforced, if the officers of the companies who are in favor 
of vigorously so doing should signify the same, and at the same time 
state their desire and willingness to contribute, if necessary, some- 
thing toward the cost of apprehending and convicting any agent who 
in Massachusetts or elsewhere may be found violating the rebate law, 
a long step toward the desired end might result. 

Permit me to offer, therefore, for your consideration the suggestion 
that the companies desiring to accomplish this end should form a 
committee, consisting of an executive officer of each company, or 
agree upon a referee with ample powers, and express a willingness to 
make such contribution as may be necessarj 1 - to the investigation and 
prosecution of any violation of the anti-rebate law. 

Having given this subject very considerable deliberation, I am of 
the opinion that a programme of this character might result in reliev- 
ing the life insurance business from the pernicious evil of rebating, — 
an evil admitted and deplored by ail engaged in life insurance, and 
for the eradication of which, in my judgment, the time is at hand. 

A letter similar to this has been sent this day to the president of 
each company transacting business in Massachusetts, and I have to 
request that you will give it your careful consideration, and write me 
your conclusions in relation to the same. 

Respectfully yours, 

Geo. S. Merrill, 

Insurance Commissioner. 

At this meeting a carefully digested plan was adopted, and a 
pledge of agreement entered into which then and subsequently 
was signed by officers of thirty companies, to the effect that a 
referee should be appointed, the companies to contribute, in 
proportion to the amount of their business written, for the ex- 
penses of carrying out the work. This pledge provided that 
no one of the subscribing companies would pay or allow or 
offer to pay or allow, or permit any person connected with it 
in any capacity to pay or allow or offer to pay or allow, any 
rebate or premium in any manner whatsoever, directly or indi- 



Vlll REPORT OF THE 

rectly. The referee was authorized to receive evidence in the 
case of any alleged rebate, and after a full hearing of both sides 
to render a decision upon the case ; the companies agreeing 
that his decision should be final, and that, upon his determina- 
tion that any agent had been guilty of rebating, such agent 
should be immediately dismissed from the service of the com- 
pany, and not again employed for the period of one year by 
any company a party to the pledge. 

He was further authorized to procure, if he deemed it wise, 
a prosecution of any agent guilty of rebating in any State, and 
in his discretion to offer a reward for evidence sufficient for 
such conviction. 

By unanimous vote, Hon. William E. Russell, Ex-Grovernor 
of this Commonwealth, was chosen referee. 

Down to the present time the referee has heard a number of 
cases, and three agents have been found by him to be guilty 
of rebating and have been discharged from service. 

Naturally, perhaps inevitably, some little friction has arisen, 
but the companies, at a meeting of their representatives in New 
York, May 4, agreed to make no modification in the conditions 
of the pledge. 

Upon the future operations of this agreement depends to a 
large degree the question whether the legislatures of States 
which have already enacted anti-rebate laws will be forced to 
make them still more stringent in their provisions. Massachu- 
setts enacted the first statute of this character. The Common- 
wealth, in declaring that there should be no discrimination 
made by any life insurance company transacting business in 
Massachusetts between insurants of the same class and equal 
expectation of life, evidenced no disposition or desire to in any 
degree control or manage the affairs of such corporations ; but, 
as the mortality line is fixed by laws utterly beyond human 
control, and as mathematically certain as any rule of the uni- 
verse, it follows that the natural cost of life insurance cannot 
be made variable upon the same selection of lives by the 
methods of conducting business practised in life insurance 
companies. 

Of course in the matter of investments, interest earnings 
and expenses there may be a wide variation, but, as has been 
stated, the natural cost remains. To this each policy-holder, 



INSURANCE COMMISSIONER. IX 

whether in a stock or a mutual company, must contribute his 
share. Massachusetts has simply said, in her anti-rebate law, 
that her own companies and those of other States admitted 
by a concession which it is her right to withhold or restrict, 
shall charge the same rates of premium for the same insur- 
ance to one member of the company as to another, and the 
same to all policy-holders to whom its certificates are issued, no 
matter whether within or without the borders of Massachusetts. 
If a policy is given away in Australia or Japan, it as surely 
costs a citizen of Massachusetts his share of the mortality which 
is certain to accrue upon such policy as if it were given away 
to his next-door neighbor within this Commonwealth. 

The law of Massachusetts against rebating is sufficiently clear 
and distinct in its provisions, but it applies only to the agents 
who are guilty of making such discriminations as it forbids. 
The fine imposed is a comparatively small one, and it is easy, 
if the officers of a company are willing to connive at a viola- 
tion of the law, for them perhaps in a perfunctory way to 
express disapprobation of the conduct of the agent, and at the 
same time wink the other eye, and intimate to him privately 
that he must be more careful the next time and not get caught. 

Unless, through the agreement and pledge to which reference 
has been made above, the various companies transacting busi- 
ness in this Commonwealth carry out and enforce the just prin- 
ciples of the Massachusetts statute, the Legislature must go 
further in the provisions of law, and declare that in every case 
of rebating the company shall be held responsible for the acts 
of its agent, and the revocation of the authority of the com- 
pany follow whenever such practices are pursued. 

It is hoped and now believed that the agreement will be 
continued between the companies, and this good work carried 
on as it ought to be by them, and without any further interven- 
tion of law ; but the practice has become so gigantic an evil, 
that, unless it is thus ended by those most interested in stran- 
gling it, heroic measures on the part of the legislatures must 
and surely will follow. 

In this connection it may be quite pertinent to quote some 
expressions of opinion by Commissioner Tarbox, who said: — 

Whatever is done that touches or induces the application or policy 
in any way whatever, and anything that is promised or said that pro- 



X REPORT OF THE 

motes or influences the negotiation of the contract in any way what- 
ever, is done and said for the company and in its service, and the 
person so doing or saying acts as the agent of the company, and not 
in his own personal capacity in any degree. In anything relating to 
the transaction he stands for the company itself, as all he does or can 
do is directly under its instructions and direction, and without such 
he would be an impossible factor ; therefore in all such action he 
is bound by the law governing companies and their agents. The 
rebating connects itself absolutely with the negotiation of the con- 
tract and could not exist without it, and no pretence or evasion can 
avail to separate or dissociate the two, — they are part and parcel 
of the whole transaction, and, as such, subject to the rules and penal- 
ties of the law. 

Non-forfeiture Legislation in Massachusetts. 

Considerable attention has been attracted to the operations 
of the regular life insurance companies of this Commonwealth 
by a petition to the Legislature for a change of the law relating 
to surrender charges and surrender values of lapsing policies. 
The business of the companies represents many millions of 
income and disbursements every year, as well as very large 
amounts of invested funds, and in one way or another touches 
the present interests or future fortunes of almost every member 
of the community. Any action, therefore, intended to work a 
serious change in the plans and methods of their business 
should be most carefully studied and investigated as to its 
propriety and necessity, as well as to its possible effect upon 
the stability and prosperity of the corporations. A brief 
review of the history of legislation in Massachusetts upon this 
subject may here be of interest. 

The Act of 1861, 

In the early years of the life insurance business the practice, 
in case of lapsing policies, was to forfeit the entire reserve and 
all interests the insured might have acquired in the company ; 
no recognition of any accrued right or concession to the policy- 
holder in the shape of paid-up insurance or cash surrender 
value was admitted or known. The policy, having lapsed, 
was declared cancelled, and that was the end of it so far as 
the insured was concerned. 



INSURANCE COMMISSIONER. XI 

At that time the forms of insurance mostly in use were term 
insurance, limited to a short term of years, and plain, straight, 
whole life insurance ; the former bearing very little reserve, 
and the latter, especially for several of its early years, not of 
such amount that its forfeiture would entail any considerable 
hardship or be particularly noticeable. And it was only when 
whole life insurance that was to be paid for by a limited 
number of payments, and endowments bearing large premiums 
and calling for large reserves, came into use that the forfeiture 
from lapsing became conspicuously apparent and occasioned 
serious and considerable loss to the retiring policy-holder. 

The first step taken towards a legal remedy for this condition 
was in the enactment of the Massachusetts non-forfeiture act of 
1861. This act provided that in all cases of failure to continue 
premium payments the policy should not become wholly void, 
but that the insurance of the face of the policy should be con- 
tinued for as long a time as four-fifths of the reserve was 
sufficient to pay for the cost of carrying on the insurance, at 
the end of which time the policy ended and expired. It further 
provided that if the insured life should fail within this term of 
extension the company was allowed to retain an amount equal 
to the sum of the premiums that would normally have been 
paid in the interval, with interest at the rate of six per cent, 
from the due date of each premium down to the time the policy 
became a claim. This act was made to apply only to Massa- 
chusetts corporations. 

The passage of any non-forfeiture law was earnestly contested 
by the companies, under the belief that it would act to seriously 
increase their liabilities and unduly deprive them of one of their 
resources for meeting their obligations to their persistent mem- 
bers, besides the great disadvantage it would place them under 
in competition with their rivals not similarly restricted. But 
finally, with the two concessions above named, — the permis- 
sion to withhold one-fifth of the reserve and to charge back the 
forborne premiums in cases of loss claims, — the bill was en- 
acted, and all business of the Massachusetts companies in the 
following nineteen years was issued subject to this law. 

This act, as well as the one that replaced it in 1880, was 
made to affect only the Massachusetts life companies. The 
attempt to make it applicable to companies of other States 



Xll REPORT OF THE 

upon their business with citizens of this Commonwealth was 
resisted and defeated, on the ground that it would be requiring 
them to make a better or different contract with their Massa- 
chusetts policy-holders than with the rest of their membership, 
and so, in case of mutual companies, destroy their mutuality 
and violate their charters. Whatever of real substance there 
may have been in this claim in favor of outside companies, 
there nevertheless resulted from this exemption a serious dis- 
crimination and handicap upon the Massachusetts companies in 
the competition for business ; nor has any one to this day been 
able to explain why the Legislature of this Commonwealth 
should permit a foreign corporation to come in and make a so 
much less favorable contract with our citizens than it required 
of its home organizations, — or, rather, why it should compel 
of home companies so much greater liberality in dealing with 
our people than of foreigners. And it must also and always 
be kept in mind that this restriction was not confined to busi- 
ness in this Commonwealth, but applied to all policies of the 
Massachusetts companies, wherever issued. From this unequal 
restriction there resulted immediately that, while the Massa- 
chusetts company must religiously hand over for the benefit of 
the lapsing policy-holder almost the whole of the reserve, the 
foreign company could remorselessly confiscate the entire 
equity, and with this advantage, of course, be able to offer 
much more liberal compensation to agents, and so outdo the 
Massachusetts companies every day in competition for business. 
The act of 1861 was a rough experiment ; its conditions were 
largely tentative and its requirements arbitrary. But, what- 
ever may be said in criticism, it had the merit of being intel- 
ligible in its terms. It was a long step in recognition of a 
great principle, namely, the legal establishment of the equi- 
table rights of the individual policy-holder. The competition 
of this principle in the field has had, in course of time and at 
the expense of the Massachusetts companies, a perceptible 
effect in liberalizing the stipulations of the policies and the 
practices of the companies generally throughout the entire life 
insurance business, until now it is rare indeed to find in any 
of the companies a policy that does not recognize it in some 
degree. 



INSURANCE COMMISSIONER. Xlll 

The Act of 1880. 

The crudeness of the law and the harshness of its workings 
upon certain classes of policies became more and more evident 
as the business developed. Its imperfections and shortcomings 
were recognized and deplored by none more fully and penitently 
than by its author, and in 1880 the Legislature, at his solicita- 
tion, replaced this act by another, which, while keeping in view 
the same principle of the equitable rights of the policy-holder, 
sought to reach it in practical effect by a wholly new and untried 
process. The substituted provision was that the entire reserve, 
less a certain < < surrender charge " which the company might 
retain, should be placed practically at the disposal of the policy- 
holder, either to be applied in paid-up insurance or in certain 
cases withdrawn in cash. The " surrender charge " was to be 
eight per cent, of the " insurance value " of the policy, and the 
" insurance value " was defined as being the " present value of 
all normal, future, yearly costs of insurance which by its terms 
the policy is exposed to pay in case of its continuance." 

The method by which the * * surrender value " of the policy 
was to be ascertained, and the "charge" that the company 
might be allowed to retain in compensation for the loss of a 
paying member, thus proceeded upon a theory which no one 
but a skilled actuary could possibly understand or make the 
indicated computations for. The theories and processes of life 
insurance calculations are from their very nature necessarily 
complicated to a sufficient degree, and no further mystification 
should be attached to the workings of the business unless only 
thereby can better convenience or more substantial equity be 
reached. Experience under this law has not justified its prom- 
ises in either of these respects. 

In its eagerness to reach the greatest equity, it had the not 
uncommon effect of bending itself over backward. For, while 
upon whole life policies, where the insurance value and conse- 
quent surrender charge are greatest, the inequality is not so 
marked, in case of endowments the illiberality is stretched to 
the extent of allowing to the company the most meagre and 
inadequate compensation for the loss of its paying members, 
and in every way and degree to cramp and confine this busi- 



XIV KEPORT OF THE 

ness almost to prohibition. And under this unjust and unequal 
condition upon their endowment business have the companies 
ever since struggled. 

The Amendment of 1887. 

To remedy this in some degree, while the revision of the law 
was being made in 1887, a concession was granted to the com- 
panies of allowing a five per cent, deduction to be made from 
the surrender values of endowment policies, in case such values 
should be demanded in cash, but not if paid-up insurance was 
accepted. (The bill of the petitioners is designed to repeal 
this concession.) 

The companies did not at once avail themselves of this per- 
mission, but have carried along their business under an honest 
and honorable desire to continue to their members the greater 
liberality, if possible. At last, however, after fifteen years' 
experience of the workings of the law, in the presence of the 
heavy charges that must be incurred if business is to be gained 
at all, and under the changed conditions that have developed 
during that time, the companies are confronted with the alter- 
natives of wholly discontinuing the struggle for endowment 
business (as two of them have already practically done), and 
leaving that field entirely to their competitors, or availing 
themselves of the five per cent, concession granted by the legis- 
lative act of 1887. They have chosen the latter, and from Jan. 
1, 1896, all endowment policies thereafter issued by them are 
subject to the conditions of that law. 

Quotations from the Author of the Insurance Value Plan. 

In order to show the views of the author of the " insurance 
value " basis of assessing the surrender charge upon the retiring 
members of a company, the following extracts, from the intro- 
ductions to Wright's life insurance valuation tables and savings 
bank life insurance tables, may be of interest : — 

" The strength of a company depends upon the breadth of the basis, 
or aggregate of the insurance value, the individual risk being the 
same. Hence no member in good health can retire or withdraw from 
his contract for future insurance without weakening the company. 
He cannot justly be allowed to retire without leaving enough to pay 



INSURANCE COMMISSIONER. XV 

for replacing the insurance value he takes away. Unless the retiring 
life is worse than the average, or uninsurable, the proper surrender 
charge seems to be what it will cost to procure a new one with an 
equal insurance value, sufficiently secured by self-insurance." 

"The policy-holder who takes a policy binding the company to 
insure him, sick or well, for a long number of years, must be well 
aware that its ability to do so will depend upon its continuing to have 
a very large number of members, and that every healthy member who 
leaves it diminishes its strength and stability more or less, according to 
what he might be expected to pay towards death claims, if he did not ■ 
leave. Hence it is very absurd to say that a company can afford to 
release a healthy member from his contract whenever he pleases to 
retire, and allow him to withdraw his self -insurance fund without 
making any compensation to the company for its loss in the non-ful- 
filment of his contract." 

" Self-preservation is well said to be the first law of nature ; and a 
mutual insurance company from which any member might when he 
pleased take away his whole self-insurance deposit without paying 
any surrender charge would be as much an impossibility as a solid 
without cohesion." 

" If there is any force in these considerations, the fairest measure 
of the loss of the company by the non-fulfilment of a policy contract 
is what it will cost to procure another of equal insurance value, on a 
life equally good." 

" But when we come to the question of surrender charge, we are to 
consider not what the individual policy actually cost, but what it is 
worth to keep, or what it would cost to get another equally valuable 
to keep." 

" The surrender charge cannot be less than the cost of replacing 
the insurance value withdrawn without subjecting the company to 
more loss by the retirement of good lives than it can realize gain by 
the retirement of bad ones." 

"As to compensating the company on the whole, and sufficiently, 
for the loss of good lives, it is quite plain that it can be done as well 
by a precise charge as a variable one, if we only make the precise 
charge high enough. And even a charge of one hundred per cent, of 
the insurance value would be a great improvement, in point of equity, 
upon the present ill-founded and indefinite rule." 

" For an obvious reason, the company cannot pay money or insur- 
ance at the option of the party at the time of discontinuance, though 
it might have stipulated either one or the other at his option declared 
at the start." 



XVI 



REPORT OF THE 



Purpose of the Author of the Law. 

As will be seen from the above quotations, the inventor and 
promoter of the Massachusetts non-forfeiture law put forth as 
a cardinal principle of such legislation that the retiring member 
should be required to leave with the company an amount out 
of his reserve that would be sufficient to enable the company to 
replace him with another member "equally valuable to keep." 
This, of course, if it means anything at all, implied a surrender 
charge large enough to cover the usual average commission the 
company would be obliged to pay an agent for procuring the 
new member, together with the cost of the medical examina- 
tion. In setting up the surrender charge, therefore, at eight 
per cent, of the insurance value of the policy, the promoters 
assured the companies and the public that this would furnish 
such needed sufficient amount. Let us take the figures, and 
see how this does, or ever did, accord with the facts. To make 
the matter less complicated, we will assume that the new mem- 
ber is to take the full term of the original, instead of simply 
filling out the unexpired portion, saying nothing also about the 
cost of medical examination, so that these two together may 
leave the most liberal possible construction to the insurance 
value surrender charge theory. 

The average brokerage paid for endowment business ranges 
from thirty per cent, of the premium to fifty per cent, and 
upwards. Say on a ten-year endowment the brokerage is 
thirty per cent. The usual mutual premium paid annually for 
such a policy is about $105 per thousand, and thirty per cent, 
would be, say, $31.50. Now, the very highest surrender charge 
on such a policy in any year by this eight per cent, of insurance 
value plan is $1.98, ranging from this amount in the second 
year down to ten cents in the eighth. 

Taking endowments of various terms of years,, we may see, 
then, some such effect as this, which carries its own comment : — 



10 years, annual prem. $105, com. 30$ = $31 50 
15 " " " 67, " 40$= 26 80 

20 " " " 49, " 50$= 24 50 

25 " " " 38, " 60$= 22 80 



8$ ins. val. = $1 98 and downward. 
" " " = 3 65 " " 

« " " = 5 30 " " 

«< " " = 8 91 " ** 



INSURANCE COMMISSIONER. XV11 

WJiere the Burden of the Law falls. 

The Massachusetts companies are not, and never have been, 
satisfied with this method of protecting their business against 
loss by the withdrawal of their members. It was foisted upon 
them in 1880 as a measure of theoretical perfection, just as the 
old law of 1861 had been, by the same author. None of them 
ever believed in it, nor from that time to this has any company 
anywhere voluntarily adopted the scheme, nor has anybody 
beyond its own little school ever approved it as practically use- 
ful for any purpose whatever. But the Massachusetts com- 
panies have always believed in and intended to practise the 
most just mutuality in their transactions. They desire no 
undue gains or profits to their remaining members, but merely 
to protect them against the injury from the retirement of those 
who fail to remain to the completion of their contracts, — to 
render to each one what is justly his own. 

All were aware of the injustice and inequality of the old law 
of 1861, and, while recognizing the propriety of some regula- 
tion as between the remaining and the retiring members, as no 
wholly practicable and acceptable plan seemed to be yet in 
sight, and this substitute was urgently pressed by its promot- 
ers, it was permitted to be enacted into law in 1880. But in 
practice its inconsistencies and inequities soon became appar- 
ent, and at the earliest convenient opportunity — that of the 
revision in 1887 — some amelioration of it in one of its worst 
aspects was sought to be obtained. And to this end the five 
per cent, reduction from the cash surrender value of endowment 
policies was adopted, upon the recommendation of Commissioner 
Tarbox. He did not claim it as a perfect and logical correction 
of the inconsistency of the law, but as the best ready remedy 
it seemed practicable then to apply. 

The Massachusetts companies have never been able to see 
why they should be cramped and confined by these arbitrary 
and remorseless restrictions, while their rivals have had practi- 
cally free rein to regulate their business according to their 
own judgment and prudence ; never wishing their rivals to be 
brought into the same narrow lines, yet always believing that 
the same latitude for the exercise of business judgment and 
sense of fairness should be accorded to the Massachusetts com- 



XV111 REPORT OF THE 

panies as to their competitors for patronage among our own 
people and kin. 

Comparison with the Requirements of the Laivs of Other 

States. 

In this connection it may be of interest to compare the con- 
ditions under which the companies of another State, with which 
our companies meet their liveliest competition, are placed in 
respect to their treatment of lapsing policies. 

The law of New York, which is the only other State having 
any considerable number of life companies that has enacted non- 
forfeiture legislation, provides that only after the policy has 
been in force for three years shall non- forfeiture apply, — and 
the surrender charge is one-third the entire reserve, however 
long the policy may have been in force ; but in no case is any 
surrender value payable in cash, — it is in paid-up policy, 
and then only if the insured comes forward within six months, 
surrenders his policy and applies for the paid-up policy. The 
eifect of this law upon endowment policies is such that not 
more than one-half as many could avail of it as of the Massa- 
chusetts law, and such as do are subject to an average surrender 
charge six times greater than ours, even with the five per cent, 
concession, would permit. But this will more exactly appear 
by the illustrative schedule on pages xx and xxi. It will be 
remembered that the values under the New York law are ap- 
plied in paid-up insurance only, while under the present Massa- 
chusetts law they may be either in cash or paid-up insurance, ■ — 
giving an option against the Massachusetts companies which 
was distinctly objected to by the author of the original bill, as 
appears by his last above-quoted paragraph. 

A Quest for Relief and Fairness. 
There certainly is an equity somewhere in this surrender 
charge matter, but so far no one seems to have reached it, to 
the general acceptation. (1) Every one agrees that in going 
out of the company in advance of the normal termination of his 
contract a premium-paying member deprives those remaining 
of the advantage of his promised contribution to future ex- 
penses and contingencies, as expressed by the loading on the 
premiums. (2) And it is probable that the lives remaining 
may after a time deteriorate and fall below the average, since 



INSURANCE COMMISSIONER. XIX 

it must be assumed that impaired lives will not as a rule retire 
from the company, and thus a loss be incurred for which the 
persistent members should be compensated. (3) Then it is 
also conceded that a measurable disadvantage results from the 
disturbance of investments or from the necessity of keeping a 
supply of idle money or highly convertible low-interest-bearing 
assets to meet the calls for cash surrender values. 

These effects are all real and tangible, and any scheme in- 
tended to hold the company harmless and to be equitable must 
take into account all of them, and not be based upon a single 
one, as is insufficiently, clumsily and mysteriously done by the 
law of this State now in force. 

As a remedy for the first, could not some proportion of the 
present value of these future loadings (or, what would amount 
to the same thing, and better preserve a uniformity to all com- 
panies, — a small percentage of the present value of the future 
net premiums receivable according to the State standard) be 
fixed upon as a just measure of the loss in this respect by his 
withdrawal ? Upon the same basis and in a similar way the 
loss from the second cause named might also be compensated. 
As to the third, a percentage upon the reserve is fairly and 
justly chargeable. 

It must be possible to find in the wide and intelligent experi- 
ence of all the companies of this country some remedy in these 
or other sources that shall be just to the remaining members and 
appeal to the sense of fair play in the business community. 
Already in several of the companies of other States tentative 
and desultory attempts in this direction have been and are being 
made, and it seems certain that the evolution now in process will 
before long bring about conditions that will be recognized as 
fair and just and of universal acceptation. The mills grind 
slowly, to be sure, but it must be so in a business of such stu- 
pendous magnitude as that of life insurance to-day. Its whole 
rise and progress cover scarcely more than a generation of time, 
and yet it enters into the homes and hopes and fortunes of 
almost every family in the civilized world. 

In view of these hopeful conditions, it seems only reasonable 
to ask that at least no further restrictive legislation should be 
placed upon our own State companies, already burdened beyond 
all others, until some measure of demonstrable justice may be 
reached and made applicable to all. 



XX 



REPORT OF THE 



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INSURANCE COMMISSIONER. 



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XX11 REPORT OF THE 



The Aftermath of the Endowment Swindles. 

Following the report of last year, herewith is appended a 
brief statement in relation to the assessment endowment cor- 
porations remaining in the hands of receivers : — 

Finally Settled. 

Sons and Daughters of America. — George S. Lincoln, 
receiver, 209 Washington Street, Boston ; appointed December, 
1893. Total membership, 1,181. Claims proven, 85. Assets, 
about $4,000. Dividend of 67 per cent. paid. Final report 
made June 5, 1894. 

Order of the World. — John R. Baldwin, receiver, Lynn, 
Mass. ; appointed December, 1892. Total membership, 4,751. 
Claims proven, 4,395. Assets, $47,255. Dividend paid in 
May, 1895, of 7J per cent, on class 1 and 22 per cent, on class 
2. Final report made April, 1895. 

Massachusetts Prudential Order. — John Haskel But- 
ler, assignee, Globe Building, Boston. Assets, about $500. 
No claims proven. Funds exhausted in payment of creditors. 
Final report made Jan. 3, 1896. 

American Protective League. — Henry W. Putnam, re- 
ceiver, 85 Devonshire Street, Boston ; appointed November, 
1892. Total membership, about 8,000. Claims proven, 3,700. 
Assets, about $120,000. Dividend, 36 \ per cent., was paid 
December, 1895, and the affairs of the corporation closed. 

Order of iEGis. — Alfred Hemen way, receiver, 5 Tremont 
Street, Boston; appointed October, 1892. A final dividend of 
13 per cent., in addition to previous dividend of 50 per cent., 
has been paid, and the affairs of the corporation closed. 

International Fraternal Alliance. — John P. Leahy, 
receiver, 22 Pemberton Square, Boston ; appointed June, 1893. 
Total membership, 379. Claims proven, 357. Assets, $10,- 
410. Final dividend paid, 92 J per cent. 



INSURANCE COMMISSIONER. XX111 

Union Endowment. — Henry E. Turner, receiver, 186 
Devonshire Street, Boston ; appointed September, 1892. 
Claims proven, 982. Total membership, 999. Assets, about 
$38,000. Dividend of 68 per cent, altogether has been paid, 
and the affairs closed in March, 1896. 



Pending Settlement. 
Friendly Aid Society. — Henry A. Wyman, receiver, 
914 Exchange Building, Boston ; appointed September, 1891. 
Dividend of 7 per cent, was paid in August, 1893. Receiver, 
under order of the court, holds balance of $12,500 until 1897, 
pending the expiration of a certain certificate of deposit ; after 
that date a very small additional dividend will probably be 
paid. 

Annual Friend. — JohnC. Burke, receiver, Lowell, Mass. ; 
appointed May, 1893. No claims have been proven. Assets, 
$2,800. Final report has been filed, but no hearing thereon. 
The cost of conducting suits against the officers has exceeded 
the amount of funds, and therefore there will be no dividend. 

Order of the Red Cross. — Samuel K. Hamilton, re- 
ceiver, 31 Milk Street, Boston; appointed January, 1893. 
Claims proven, about 1,500. Total membership, 5,000. As- 
sets, $836. Settlement delayed, pending adjustment of legal 
questions. 

Order of the Golden Grail. — Joseph I. Bennett, re- 
ceiver, 61 Court Street, Boston, appointed September, 1891. 
Total membership, about 25,000. Claims proven, 4,815. 
Assets, $48,000; additional $45,000 of no value. First divi- 
dend, of 11 per cent., paid in May, 1894; probably no further 
dividend. 

Industrial Order of America. — John P. Leahy, receiver, 
22 Pemberton Square, Boston ; appointed August, 1892. Total 
membership at the time of closing, 97. Claims proven, 86. 
Assets, $2,457. Dividend of 30 per cent, paid September, 
1893. Affairs will probably be settled before the first of July. 



XXIV REPORT OF THE 

Golden Lion. — George S. Hale, receiver, 10 Tremont 
Street, Boston; appointed December, 1891. Total member- 
ship, 12,333. Claims proven, 8,225. Total receipts, $217,374. 
Payments already made to members, $159,508; receiver has 
balance of $59,959. Suits are pending against the officers of 
the company, for excess of salaries taken, to the amount of 
$37,244. The dividend paid was 100 per cent. 

United Eeserve Fund Associates. — John F. Haskell, 
receiver, Lowell ; appointed May, 1893. Total membership, 
4,558. Claims proven, 2,347. Assets, $93,000. Settlement 
is awaiting suit upon various certificates. 

Mutual One Year Benefit Order. — Sherman L. Whipple, 
receiver, 5 Tremont Street, Boston ; appointed February, 1892. 
Total membership, 17,776. Claims proven, 6,391. Assets, 
$113,000. First dividend of 33 per cent., amounting to $88,000, 
was paid in January, 1894. Final settlement is delayed by 
claim against Suffolk Trust Company for a deposit in that 
corporation. 

Small Corporations Closed. 

Under the provisions of a statute of the Legislature of last 
year the commissioner was authorized to apply to the supreme 
judicial court for the appointment of a receiver and the closing 
of the affairs of assessment or fraternal corporations whose 
membership became reduced to less than one hundred. In ac- 
cordance with this statute, the following corporations have been 
thus closed : — 

Finally Closed. 

Chevaliers of Pythias, of Boston. — Insurance Commis- 
sioner appointed receiver December, 1895. Twelve members; 
no funds. Final report made and corporation dissolved Janu- 
ary, 1896. 

Ancient Order of Columbus, of Boston. — Insurance 
Commissioner appointed receiver December, 1895. Eight 
members ; no funds. Final report made and corporation dis- 
solved January, 1896. 



INSURANCE COMMISSIONER. XXV 

Order of Fraternity, of Boston. — Insurance Commis- 
sioner appointed receiver December, 1895. Fifty-six mem- 
bers ; no funds. Final report made and corporation dissolved 
January, 1896. 

Sons and Daughters of the Maritime Provinces, of 
Brockton. — Insurance Commissioner appointed receiver 
December, 1895. No members; no funds. Final report 
made and corporation dissolved January, 1896. 

Chevaliers and Ladies of Industry, of Fall River. — 
Insurance Commissioner appointed receiver December, 1895. 
No members; funds, $26. Final report made and corporation 
dissolved March, 1896. 

Elm Mutual Benefit Society, of Chelsea. — Insurance 
Commissioner appointed receiver December, 1895. Seventy- 
five members ; no funds. Final report made and corporation 
dissolved March, 1896. 

Pending Settlement. 
Kurland Brotherhood, of Boston. — Insurance Commis- 
sioner appointed receiver December, 1895. Sixty members ; 
funds, $190.81. 

Club Lafayette, of Cambridge. — Insurance Commissioner 
appointed receiver December, 1895. Sixty members; funds, 
$437.94. 

Societe de Secours Mutuals St. Joseph, of Boston. — 
Insurance Commissioner appointed receiver December, 1895. 
Fifty-six members; funds, $778.77. 

Society of St. John the Baptiste, of Westborough. — 
Insurance Commissioner appointed receiver December, 1895. 
Thirty members ; funds, $195.02. 

Odd Fellows Protective Union, of Boston. — Insurance 
Commissioner appointed receiver March, 1896. Two hundred 
and six members ; funds, $328.35. 



XXVI REPORT OF THE 

Right Arm Masonic Relief Association, of West Har- 
wich. — George H. Snow, receiver, Harwich, Mass., appointed 
by supreme court, February, 1896. 

Polish Mutual Aid Society, of Boston. — Insurance Com- 
missioner appointed receiver May 8, 1896. Forty-six mem- 
bers; funds, $1,043. 

Globe Life and Disability Association, of Boston. — 
Insurance Commissioner appointed receiver May 8, 1896. 
Ninety-five members ; funds, $842. 

Malden Mutual Benefit Association, of Maiden. — 
Insurance Commissioner appointed receiver May 15, 1896. 
Eighty-six members ; funds, $553. 

The Question of State Supervision. 

The law of Massachusetts provides that at least triennially 
the commissioner shall make an official examination of every 
Massachusetts insurance company, and of course the law au- 
thorizes an examination at any time by the commissioner, of 
the affairs of any other company lawfully admitted to transact 
business within this Commonwealth. This latter provision is 
necessarily and absolutely a condition on the part of every 
department precedent to the admission of a company of any 
other State. Nothing is more clear than that, in order to pre- 
sent to the people of Massachusetts the exact condition of any 
foreign insurance company transacting business here, the com- 
missioner must be clothed with the power of an examination. 
It is evident, however, that, with an insurance department in 
every State in the Union, an annual or an occasional examina- 
tion of such companies by each one of these departments would 
entail upon the companies such a burden of expense as would 
be almost if not absolutely unbearable. Massachusetts, there- 
fore, has from the beginning held to an invariable line of policy. 
With the right, which must be absolute, of examination at any 
time, there is always accepted, in regard to a company apply- 
ing for admission, the certificate of an examination made by the 
recognized official of its own State, agreeing only that, in case 
of question as to the solvency or character of any foreign in- 



INSURANCE COMMISSIONER. XXV11 

surance company, this department would hold and exercise the 
right of examination ; beyond this, only making an examina- 
tion when requested by the officers of the company interested 
or by the commissioner of the department within which the 
company has its domicile. 

During the past two years this department has been called 
upon to make some outside examinations. Two years ago, by 
request of the officers of the company, the commissioner partici- 
pated in the examination of the New York Life Insurance Com- 
pany ; last year, under like circumstances, he engaged in the 
examination of the Northwestern Mutual Life of Wisconsin; 
and is now, under the same circumstances, participating in an 
examination of the Mutual Benefit Life Insurance Company of 
New Jersey. The result of these examinations, so far as com- 
pleted, with also those of the home companies which under the 
law have been examined during the past year, are appended 
to this report. 

Respectfully submitted, 

GEORGE S. MERRILL, 

Insurance Commissioner. 



STATISTICAL TABLES. 



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STATISTICAL TABLES. 



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t— 


CO 




■3 




OS 


CO. 


o 


CM^ 




o 




I-H 


00 


co 


CO 


os 


°i 


CN 








































co 


t>r 


t-~ 


*o 




00 




CO 


CN 


<N 


t-- 


00 


ocf 






to 




©&= 




1—1 


CM 


i—( 


CO 




■* 




co 


00 


l-H 








o 
u 














<5& 




۩= 






i-H 
















































-«- 




















-4- 












l^ 


co 




CM 


os 


*o 




CO 


00 


^H 


IO 


00 


a> 


o 




t3 




m 


1—1 


oo 


t^- 


OS 


CM 




h- 


o 


OO 


oo 


CO 


00 


o 




a 




CO 


^1 


i— i 


00 


CM 


■* 




00 


CN 


l>. 


o 


IO 


tH 


os 




03 


































£- CO 




oo 


CO 


t^ 


>o 


!-H 


CO 




T^ 


r— f 


co 


CN 


r~- 


b- 


o 




X a> 




o 


co 


iO 


co 


r— 1 


t^ 




(M 


CN 


l>. 


OS 


co 


t^ 


o 




K S 




■^ 


©^ 


t-» 


CO 


t^ 


CM 




OS 


co 


IO 


1— 1 


OS 


IO 


CM 




































to *» 




l-H 


TjT 


CN 


00 


I-H 


CO 




»o 




t^ 


os 


CN 


i-H 






to 




#§= 










i-H 




s& 






CN 










o 

I- 














۩= 



























































IC5 


CM 


^ 


CO 


t~~ 


1— t 




oo 


CO 


CO 


CO 


OS 


OO 


t^ 




i 




O 


00 


tH 


t>. 


■* 


o 




oo 


CO 


o 


Tt< 


CO 


t~ 


o 






t& 


r-A 


t* 


CM 


OO 


00 




CO 


xH 


■* 


rJH 


OS 


l-H 


Os 




o 




































t>f 


CO 


-* 


CO 


00 


OS 




"* 


00 


tH 


CO 


IO 


os 


co 








o 


o 


b- 


CM 


OS 


o 




CN 


o 


OS 


os 


o 


os 


o 








°i 


©^ 


O 


i-H 


!>. 


OS 




OS 


IO 


t^ 


CN 


o 


OS 


CM 






































to 

o 




i— i 


»o~ 


■* 


rh 


CM 


l>- 




CO 




r^ 


-* 


■* 


i-H 








۩= 










—t 




4& 






r« 










M 














۩= 




















o 






































o 










o 




o 


o 




O 


o 


o 










o 










o 




o 


o 




o 


o 


o 










IO 










>ra 




o 


o 




o 


o 


o 






oj 






1 


| 


1 


| 










l 








| 








*o~ 










»o 




o 


o 




o 


o 


»o 






p. 




CM 










CM 




IO 


>ra 




o 


o 


<N 






03 




€& 










€& 




l>^ 


I-H 




l-H 


CN 


l-H 






o 


















I-H 


































































W 




















03 














w 




















H 














H 




















Ph 
































««i 


" 














d 


















d 


o 














« 


















s 


O 














H 


















o 
















H 


















o 


93 

H 














O 


















fa 


H 














Ph 


















o 


to 






s 
d 


^ 






O 




















« 

CO 


• 


• 


03 

d 
d 


• 


• 


CO 

H 

M 

">1 


' • 


'5 

(H 

a 

03 

O 


*e8 

d 


• 


• 


• 


• 






03 


• 


CJ 


co 
■u 

<U 

CO 

d 
»d 
o 

03 
CO 
CO 

03 


<n 


•> 


• 


o 
o 


• 


S 


* 


* 


* 


03 

d 






3 


of 
u 

"rS 

to 

Jh 
05 

PQ 


o 

o 

d 

83 

w 

d 
,d 
o 


a 
a 


03 

d 
d 
2 

03 
03 


CO 

i-H 

03 

O 

H 


of 

d 


d 
o 

03 

d 
a 
o 
O 


-1-3 

3 
o 

03 

a 
a 
o 
o 


03 

d 
a* 


oT 
d 

03 
S 

u 

03 


of 

8 
o 

W 


d 

03 

03 

CO 

d 

03 



STATISTICAL TABLES. 



XXXI 



in 


,_, 


,_, 


o 


■<*• 


00 


o 


i-H 


CO 


CM 


Ol 


t^. 


CM 


m 


CD 


OS 


CM 


CO 


CO 


CM 


o 


>o 


I*" 


00 


o 


00 


OS 


o 


os 


t*- 


o 


oo 


CO 




-^ 


oo 


os 


M< 


CO^ 


°i. 


Tj^ 


on_ 


i-H 


co 


CD_ 


»^ 


l-H 


l>^ 


00^ 


00^ 


«r^ 


°i 


CM 


«3^ 


CM_ 


i-H 


l^- 


co* 


co* 


CO* 


co" 


t>T 


os" 


CM* 


T»f 


CO* 


cf 


t>r 




o* 


00 


o 


in 




CO* 


os 


iC 


co 


os 


■«*i 


CO 


i* 


os 


t>. 


-* 


o 


OS 


l~- 


CD 


00 


os 


t— 


OS 


oo 


CO 


i-- 


OS 


co 


00 


eo^ 


CM 


t— 


I-H 


>o 


CO 


co 


OS 


CM 


CO 


CO 


T« 


Tt< 


CO 


CM 










































CO 


i-H 
CM 


co* 


l-H 


O 
CM 


co 

i-H 


CM 




CO. 




CM 


l-H 


i-H 








CM 

CO 


oo 

CO 


00 


T* 


lO 


CO 


CM 


t^ 


00 


|Q 


Tt< 


«9 


CM 


Ol 


co 


oo 


-*< 


CD 


CM 


CO 


CO 


1*1 


CO 


os 


co 


CM 


t^. 


!>. 


CD 


>o 


TjH 


CO 


i-H 


l>- 


lO 


co 


CO 


o 


o 


i>- 


Tt^ 


oo 


»o_ 


in 


»0> 


CD 


Tt< 


"<*! 


CM 


CO 


«-~ 


CO 


t» 


CO 


os 


1*1 


co 


CM 










































co* 


t*T 


in 


t*T 


CM 


00 


tM 


t>- 


CO 


os 


00 


CO 


»o 


CO 


CO 


CM 


r^- 


00 


os 


i - 


■<*! 


00 


CM 


O 


co 


i-H 


OS 


CD 


CD 


lO 


o 


lO 


«0 


lO 


oo 


o 


l-^» 


l>- 


i» 


Tj^ 


•r^ 


O 


Tj^ 


©_ 


^ 


»o 


•Ol 


CD 


CD 


■*! 


CO 


^L 


-* 


M3 


m 


o^ 


o 




1*~ 


CD 
CM 


th" 


l-H 


CM 


CD* 

i-H 


of 




co" 




CO* 


i-H 


i-T 








l-H 

1— 1 


m 
*•* 


























++ 














in 


o 


i-H 


OS 


CD 


»o 


m 


lO> 


CD 


C<l 


■HH 


o 


o 


riH 


CM 


CD 


CO 


OS 


CD 


o 


»- 


t^ 


CO 


O 


OS 


00 


o 


T« 


CM 


oo 


■* 


CD 


00 


t^ 


co 


Ol 


o 


CM 


CD 


© 


lO 


1*1 


CM 


i-H 


I-H 


CD 


b- 


OS 


o 


■* 


lO 


CM 


o 


oo 


>o 


o 


CM 








































<n" 


of 


CO 


■>. 


lO 


i-H 


co 


co 


00 


r^. 


i-H 


CO 


00 


lO> 


© 


00 


m 


CO 


r-H 


i-H 


r-~ 


CM 


OS 


■* 


CO 


o 


o 


1C0 


OS 


l-H 


co 


TH 


os 


os 


i-H 


i-H 


t^ 


CO 


"^1 


os 


CO 


l-H 


»~ 


T* 


CO 


co 


t^. 


l>- 


I-H 


">»< 


OS 


CD 


l>- 


CD 




"* 


m 








































co* 


©~ 


oo 


tH 


O 


i-H 


CD 


1*1 


os 


•o 


i-H 


CM 


co 


CM 


lO 


CO 


CO 


t^ 


OS 


i-H 


CM 


oo 

i-H 


>o 


i-H 


i-H 


CO 


CM 




CM 




i-H 










l-H 


oo 
oo 


1*1 

OS 


























-n- 














co 


tH 


CD 


»o 


oo 


CM 


CO 


o 


o 


»>. 


CO 


CM 


CD 


CM 


co 


CM 


CO 


CM 


OS 


o 


O 


CD 


o 


CM 


t-^ 


co 


r^. 


o 


CO 


l-H 


lO 


CO 


tH 


o 


t>- 


CM 




OS 


r-H 


°i. 


I-H 


o 


t-» 


oo 


CD 


o 


o 


CM 


CO 


o 


CO 


CO 


CD^ 


CM 


00 


CM 


CO 








































OS 


co 


CM 


CM 


O. 


OS 


t^ 


1*1 


lO 


t— 


OS 


t>- 


"* 


00 


rH* 


l-H 


CM 


-* 


o 


00 


(M 




CM 


■* 


CD 


i-H 


o 


Ol 


CO 


CO 


co 


o 


■* 


"* 


o 


CM 


lO 


i-H 


1— 1 


"*« 


°i. 


CM 


i-H 


1*1 


(^ 


CM 


CO 


tH 


t^ 


00 


CO 


co 


CM 


CM 


CD 


>o 


cq^ 








































1*1 


iC 


•& 


00 


CM 


lO) 


CM 


t^ 


o 


OS 


i-H 


iC 


»ra 


-*l 


CO 


t^ 


CO 


oo* 


CO* 


I-H 


CM 


T-H 

CM 


»o 


i-H 


CD 

i-H 


00 


CM 




O-T 




i-H 


l-H 


i-H 






i-H 


CO 

l-H 


o 

t-H 


CO 


I-H 


1— t 


lO 


,_, 


co 


CM 


t"- 


». 


00 


CM 




CO 


co 


OS 


i-H 


f^ 


CO 


f-H 


CO 


OS 


OS 


CM 


CO 


«ra 


CD 




CO 


OS 


l-H 


o 


o 


l^ 


lO> 


os 


t^. 


co 


co 


1— I 


i-H 


oo 


l-H 


t~- 


o 


CD 


Os 


CO 


CD 


tM 


OS 


CM 


«v~ 


l>- 


CM 


r- 


CO 


o 








































I— 


l-H 


t>~ 


CO 


eo 


CO 


CD 


t>- 


■* 


OS 


t^ 


Tf< 


CO 


co 


CD 


OS 


o 


■hT 


l-H 


cs 


CM 


CM 


m 


CM 


CO 


•O 


Tt( 


00 


os 


■* 


T« 


o 


CO 


». 


o 


CM 


r>- 


»o 


eo^ 


o 


m 


nH 


CM 


CO 


CO 


tH 


CD 


CM 


I-H 


00 


00 


l-H 


r-> 


CM 


co 


t^ 


o 








































of 


CD 

i-H 


CO 
CO 


00 


CM 


cm 


00 


•* 




CO 


CM 


OS 


l-H 


CM 


I-H 


i-H 


of 


CO 

i-H 

۩= 


co 


-* 


TH 


l-H 


o 


i*l 


CD 


CO 


co 


CO 


CO 


o 


00 


OS 


CD 


W5 


CM 


i-H 


m 


CO 


CO 


i-H 


co 


■>- 


b- 


co 


t^ 




l-H 


CO 


CO 


CO 


CD 


co 


o 


co 


i-H 


t>- 


o- 


CD 


CD 


t*i 


CM 


1*1 


CM 


r— 


CO 


>o> 


CO 


00 


iO 


oo 


I-H 


00 


CO 


00 


i-H 


os^ 








































m 


CO 


i-^ 


CM 


OS 


CM 


o 


o 




CO 


co 


■o 


oo 


CD 


CO 


t^ 


CO 


CO 


CM* 


t- 


00 


OS 


■"* 


OS 


OS 


»o 


■<*l 


00 


ICO 


T(H 


00 


CM 


lO 


in 


00 


os 




CM 


i>- 


CO 


<o 


CO 


CM 


CO 


«5 


t^ 


00 


CD_ 


CM 


lO 


o 


OS 


co^ 


Tt< 


CO 


*©. 


■* 








































CM 


OS* 

l-H 


00 

i*l 


o 

F— 1 


CO 


co 


I-H 


CO 


l-H 


o* 


o> 


CM 

i-H 


CO 


co 


r-t 


i-H 


CM* 


CM 


co 

CM 

۩= 


O 


O 
















o 


o 


o 




o 




o 


© 


o 


o 


o 


© 
















o 


o 


o 




o 




o 


o 


o 


o 


o 


o 
















o 


o 


o 




o 




o 


o 


CS^ 


IO 








1 




1 


| 


J 


1 








1 




1 










o 


o 
















o 


o 


o 




o 




o 


»o 


o* 


iO 


© 


o 
















o 


o 


o 




o 




■* 


CM 


OS 


l-H 


I— 1 


of 
















o 


i-H 


CM 




l-H 




■«*l 


l-H 


l-H 

00 


CM 

CO 




















-t-T 

s 
















CO* 

as 

-4J 

03 






















fc-l 
















-1-3 
















03 






H 
















CO 




a 

eg 
<S 

,B 

B 
e3 


OS 


• 


-4-T 
CB 

a 


• 


• 


B 

+3 

B 
a 

S-l 

CD 


B 

-t-3 

B 

B 
B 
eg 


Is 

B 

+3 

B 


i3 
B 
03 

13 


m 
be 
B 

"> 
■a 

CO 


• 


• 


'el 


B 


CO 

as 

-4-a 


a 


u 

CD 

+3 

o 
o 


co 

's 
o 


-4J 

"o 

Oh 

o 

-4-3 


F— 1 

B' 

s 


W 
r— i 

B 
B 


•a 

B 
O 

•i— i 

+3 
03 


!h 

o 
© 


-*3 

CO 

CO 

j£ 

,B 

-4-3 
S-l 

o 


"b 
8 

-B 
Ph 


a 

OS 

'> 
o 
u 
Ph 


-4-3 

p 

Ph 


"-4J 

B 
<o 

B 

p^ 


otT 

S-t 

cu 
'a? 

> 

03 
u 

H 


a 

CD 

o 

a 
o 

'a 

t3 


B 

a 
o 

a 

p 


03 

-i-s 

CO 
t3 

B 
'a 

p 


o 

+3 

CO 

a 
la 

CO 

o3 


03 

Is 

-4-3 

o 


a . 

o3 
u 

o 



c3 
tD 

a 
-3 



CO Q 

■1% 



xxxu 



STATISTICAL TABLES. 



O 

P4 

o 

o 

H 

H 

GO 

W 
1 fc 



05 

w 
a 

H 

O 

A 

H 
H 
<! 
H 

w 

P3 

ft 
o 



H 



PQ 

w 

pq 
< 





■ 


00 


CO 


CO 


»o 


o 


00 


00 


CO 


CO 


I—l 


CO 


CO 




d 


oo 


l>. 


O 


i— i 


co 


l>- 


US 


os 


us 


CO 


t>. 


00 




U 


CO 


I-H 


co 


rH 


o 


00 


Th 


CO 


t— 


co 


CO 


t^ 




co 


CO 


co 


CO 


CO 


CO 


«o 


CO 


US 


I—l 


us 


CO 


o 

i-! 


a) 
























































co 


"# 


CO 


00 


i—l 


00 


OS 


lO 


OS 


CO 


US 


oo 






o 


O 


r-» 


co 


CO 


co 


CO 




CM 


CD 


■* 


"* 







oo 


i—l 


.—I 


o 


CO 


CO 


00 


CD 


CO 


►o 


1— 1 


"* 


<! 




























a 


oo 


>o 


»rs 


I—l 


CD 


CD 


CO 


T* 


o 


T* 


•* 


I—l 




a 


lO 


CD 


i— i 


IQ 


OS 


00 


US 


I—l 


00 


OS 


US 


o 




o 


CD 


CD 


co 


co 


CO 


us 


I— 


00 


o 




CO 


IQ 




a 




























>* 


i— 1 


us 


US 


CO 


OS 


co 


1—1 


CD 


h- 


i-H 


CO 


§ 


< 


۩= 










1— 1 


CO 




CO 


co 


1— 1 




03 




O 


00 


OS 


O 


CD 


I—l 


«is 


co 


CO 


t^ 


CO 


TfH 


<p 


us 


CD 


CO 


00 


CO 


CO 


CO 


t^ 


CO 


oo 


CO 


© 


o 


o 


CO 


co 


I—l 


co 


1^- 


co 


OS 


CD 


CO 


-**l 


b~ 


•* 


H 


14 


I— 1 


t* 


TfH 


US 


lO 


■**< 


CO 


I—l 


CO 


US 


CO 


co 


tfi 


a; 


























ft 


Sh 


























>5 




























<4 




o 


OS 


US 


o 


00 


CO 


TJH 


CO 


co 


t~- 


CO 


CO 






CD 


CO. 


co 


OS 


CO 


r— I 


CO 


T*H ■ 


-5* 


o 


r-^ 


co 






CD 


«5 


CO 


o 


CO 


OS 


oo 


■OH 


00 




CO 


CO 
































c 


O 


00 


os 


OS 


00 


US 




■* 


■* 


in> 


us 


o 




3 


». 


t— 


00 


o 


co 




CO 


t- 


co 


o 


«o 


co 


M 


o 


CO 


us 


o 


CD 


CO 


lO 


t^ 


rH 


us 


CD 


b- 


o 


M 


a 


۩= 


CO 


t^ 


CO 


so 


^4 


CO 




«<*< 


OS 


US 


CO 


w 


^ 








i—l 




CO 


i—l 




1— 1 


o 






H 
O 














€©■ 


۩= 






I—l 




































o 






CO 


CD 


.— i 


US 




t~- 


CO 




o 


ft 

as 


V 


os 






CO 


«3 


co 


© 




I— 1 


"# 




OS 


O 


1—1 


' 




CO 


i-H 


i—i 


1—1 










CO 


o 


|H 


























pq 

to 


Pw 




















































H 




o 






o 


o 


o 


o 




o 


o 




o 




o 






o 


o 


o 


o 




o 


o 




o 




o 






US 


o 


US 


CO 




o 


o 




rf 




























OS 


c 


CO 






!>. 


TH 


CO 


OS 




■* 


os 




o 




3 


CO 






oo 


t>. 


OS 


us 




o 


CO 




US 





O 


I-H 






ia 


I— 1 


CO 


rJH 




1—1 


CO 




CO 




a 


۩= 










۩< 


€©■ 












5 


^ 


























P 

































-» 




co 


CO 


CD 


CO 


tH 


l-~ 




CO 


o 


tH 


t^ 


•* 


CO 






0) 




"* 


b- 


os 


tH 


o 


"* 




1-H 


•* 


CO 


Ttl 


CO 


OS 






o 




CO 


b>- 


CO 


t^ 


CO 


b- 




i-H 


os 


CO 


o 


o 


CO 






!- 






1—1 


















CO 


i-H 


1-H 


a 

H 

< 




Oh 






































































OS 


•<# 


CO 


t^ 


W5 


r>- 




CO 


CO 


CO 


OS 


o 


•o 


w 








US 


■>*< 


CO 


o 


■«# 


1-H 




■* 


us 


00 


US 


co 


CO 








CO 


1—1 


>o 


o 


TP 


to 




CO 


•<* 


Tt< 


o 


00 


CO 








































c 




o 


os 


CO 


t>- 


■«*< 


rH 




!M 


CO 


os 


tH 


us 


CO 






s 




>T3 


us 


o 


t^ 


OS 


CO 




os 


CO 


«^ 


00 


CO 


o 


w 




o 




•«* 


CO 


US 


CO 


00 


o 




tH 


CO 


CO 


00 


I-H 


t>. 


M 




a 

<5 




۩= 


1—1 




i-H 




US 




€(^ 




t» 


o 


CO 


I-H 










00 


OS 


CO 


■* 


<* 


t>- 




o 


os 


tH 


i-H 


OS 


CO 




00 






I-H 


o 


OS 


00 


CO 


00 




os 


TH 


>o 


t^ 


r-H 


iO 




to 






rP 


os 


CO 


us 


OS 


1-H 




CO 


I© 


CO 


I-H 


us 


o 










































lO 


-* 


us 


t-~ 


CO 


CO 




t— 1 


CD 


00 


h» 


■* 


o 




< 






CD 


CD 


o 


os 


CO 


US 




CO 


co 


i-H 


»o 


CO 


OS 








os 


CD 


o 


CO 


I-H 


o 




us 


00 


t— 


l>- 


i-H 


OS 




w 






































CO 


t^- 


t^ 


us 


i-H 


00 




CO 


CO 


CO 


os 


I-H 


00 




o 






g© 




I-H 


CO 


I— 1 


CO 




T* 




CO 


OS 


CO 






3 
















۩ 




©s- 






I-H 














































oc 














w 




















w 














H 














. 


H 


















H 
CO 








' 








< 




s 














Ph 
















Vl 




o 














H 
















4 




o 














w 
















) 


















H 














( 


-) 




00 

H 


. 


. 


"el 

pa 

■4-i 

pi 

a 

4-> 


- 


• 


. 


o 














< 




< 




H 
H 

CO 

w 

C3 


• 




c3 
53 

73 


• 


• 


o 

03 

w 

M 


• 


u 

CD 

d 


d 

d 


• 


• 


• 




A 




tfi 


• 


o 




c 


o3 




-< 




+2 






* 










X 




o 


u> 


o3 


s 


-JT- 


Pw 




3 


d 




at 










< 


CD 

Sh 

0D 

rM 
(H 

CD 


S3 

w 

o 

i-s 


P3 

03 

c« 
a> 
e3 


bo 

w 

CD 


a> 

-4-3 

03 
02 


o 

H 


M 
o 
o 


of 

a 


+3 
o 
<o 

c 
d 

o 


o 
o 

CD 

d 
d 
o 
o 


-2 

e3 

d 


d 

03 

s 

!H 

CD 

o 


of 

a 

o 

ffl 



STATISTICAL TABLES. 



XXX111 



o 


o 


t"» 


rH 


CO 


(M 


t—t 


o 


OS 


CN 


kC5 


I— 1 


CO 


i—( 


rH 


eo 


rH 


o 


i>- 


o 


CN 


o 


co 


CD 


i—i 


rH 


t^ 


CN 










rH 


tH 


CD 


O 


00 


CN 


CD 


co 


co 


CN 


f— I 


o 



a 



© 

0? 



o »-< i— I 



oo 


o 


1— 1 


o 


*o 


I—l 


or) 


CO 


CN 








-* 


OS 


en 


OS 


co 


CO 


CO 


CD 


eo 








I— 1 


rH 


o 



۩= ۩= 



CD 


t-«. 


CO 


rH 


o 


oo 


00 


OS 


CM 


o 


00 


CN 


CN 


kCO 


O 


I-- 


IQ 


00 


o 


OS 


o 


t>- 


rH 


CO 


rH 


CO 


o 


rH 


co 


CN 


h~ 


eo 


co 




CN 


CN 


rH 


CN 


CO 


t kO 


1—1 


CM 


CN 


co 


CO 


rM 


CN 


CO 


os 


ira 


t^. 


I—l 


O 


CN 


CM 


o 


rH 


r» 


CM 


os 


eo 


o 


lO 


iO 


CN 


1^ 


(M 


CO 


t^ 


t^ 


o 


eo 


o 


eo 


CD 


CD 


h~ 


























eo 


CO 


OS 


.—1 


I— 1 


F— 1 


t^ 


00 


id 


00 


I— 1 




b» 


CO 


\a 


o 


lO 


eo 


OS 


o 


CO 




o 


CN 


OS 


© 


CM 


o 


rH 


>o 


rH 


00 


























rH 


CD 


o 

o 


CM 

I— 1 


rH 


OS 
OS 


O 

r-H 


!>. 


CN 


o 

r-l 



rij 

co 



CO 
CN 



CO 

to 



00 

o 

CO*" 
CN 
CN 



o\ 



CN 

CO 
CO 



rH 

of 



o 
o 

CO 



o 

tO 

co 



o 

o 

lO 



o 

ctT 



' ,-r 



kO o 
r— o 

o o 



o 

o 

o 



oo 

lO 

o 







>ra 


CO 


OS 


CO 


OS 


OS 


OS 


co 


i—i 


lO 


rH 


rH 


to 


o 


OS 


o 


eo 


os 


f— 




CO 


t>- 


o 


1— I 


CN 


I—I 


CO 


#— i 


CM 


rH 


OS 


CO 


CO 


I—I 


t^ 


co 


CN 


OS 


l>. 




t^ 


00 


o 


CO 


co 


OS 


1— 1 


CO 


00 


id 


eo 


CD 


o 


eo 


i-H 


eo 


rJH 


O 


o 




CN 


CN 


1— 1 
















1—1 


i— 1 


1—1 




i— 1 






i—i 


1— 1 




o 


i— ( 


rH 


OS 


rH 


© 


eo 


eo 


o 


rH 


rH 


CM 


os 


o 


i—l 


o 


OS 


OS 


CO 




o 


o 


CO 


l^ 


o 


kO 


CD 


00 


no 


o 


00 


CD 


I—I 


»—i 


kO 


o 


o 


rH 


CO 




lO 


CD 


OS 


CO 


CO 


CD 


00 


CN 


OS 


<o 


eo 


lO 


r>. 


CD 


1—1 


b~ 


T* 


o 


o 












































CN 


rH 


l>. 


1— 1 


eo 


00 


o 


CO 


00 


rH 


CO 


O 


1© 


rH 


OS 


i— I 


fr- 


o 


o 




CO 


CO 


eo 


CN 


CO 


O 


o 


r^ 


to 


o 


to 


rH 


CM 


rH 


OS 


rH 


t- 


1— 1 


o 




CO 


CO 


i—i 


CO 


t^. 


o 


rH 


CO 


00 


CO 


CN 


CO 


l>. 


rH 


r^ 


CN 


iO 


rH 


W3 












































CO 


l^. 


CN 
CN 


1— 1 




co 
1—1 


i—i 


1— 1 




1—1 




CM 


i—i 










I—I 


CN 
CN 

i—l 
€©■ 


OS 


CO 


rH 


r^- 


lO 


CO 


t^ 


i— ( 


o 


t^ 


CO 


CO 


CN 


HO 


CN 


CO 


CN 


CO 


i© 


CN 


co 


l© 


o 


o 


o 


CN 


o 


00 


t^ 


rH 


co 


CO 


lO 


CO 


OS 


t^ 


I-*. 


2 


rH 


co 


o 


eo 


o 


CN 


o 


t~ 


t» 


CM 


o 


to 


o 


I—I 


o 


kO 


CO 


o 


CO 


OS 


i—i 










































eo 


os 


CN 


00 


CN 


b- 


CO 


to 


IQ 


© 


oo 


OS 


t->. 


lO 


OS 


OS 


CN 


CO 


rH 


i— i 


CO 


OS 


OS 


■»»» 


CN 


rH 


CO 


OS 


■—4 


CD 


co 


eo 


CO 


o 


kO 


t^ 


CO 


eo 




oo 


CN 




o 


CO 


CN 


i—i 


i— 1 


00 


CN 


rH 


rH 


CO 


oo 


CN 


CO 


t>. 


CO 


CO 


OS 


OS 












































rH 


o 


OS 


CO 


CN 


rH 


CN 


t^. 


O 


OS 


i—i 


lO 


co 


rH 


co 


t>. 


eo 


CO 


CO 




i—i 


CN 


1—1 
CN 


kO 


i— I 




oo 


CN 


i— 1 


CN 




1— 1 


i— i 


r— 1 






i— i 


CO 

o^ 


CO 

l-H 

1—1 

























































c3 






H 
















VI 




[I 


cS 

-a 

S3 



03 




cn 

OS 






3 

a 

c 
ca 


"c3 
3 


3 


t3 

c 

c£ 

3 


to" 
60 

a 
'> 

03 






-3 


3 


CD 

as 


d" 


u 

CD 

,a 

+3 
O 

C*H 

o 


CO 

'o3 

+3 
O 


cn 

c3 

CO 

C 
05" 

M 


O 
Ph ■ 
O 
t-< 

*-> 

a 




cu 

m 

i—i 


03 

a 

o 

03 


M 
o 


CO 

u 

O 


3 

d 
a 


"8 
8 

X3 
P4 


-1-3 

a 

o 

S 

"> 
o 


a 

o 
Ph 


d 
a> 

s 
•-I 

Ph 


CO 

03 
H 


d 

CD 

o 

d 
o 

d 

P 


S 

d 
o 

d 

P 


53 

-1-3 

CO 

-*^ 

d 
P 


o 

d 

co 

OS 


CO 

i—i 
o3 

*3 
O 

H 


d 

03 

© 



XXXIV 



STATISTICAL TABLES. 



S 

a 

o 

O 



•J 





■ 




o 


i—i 


ITS 


co 


t^ 


CO 




CM 


o 


■* 


CO 


p_l 


CO 




c 




CN 


O 


l>- 


o 


OS 


co 




"* 


CO 


t^ 


CM 


OS 


CM 


to 


o 




l-H 


CM 


i— I 


rH 




rH 




CM 


l-H 


l-H 






l-H 


w 


»- 






























(0 


a> 






























co 


Ph 






























H 

X 






CM 


co 


r^. 


CO 


o 


O 




CM 


_, 


_< 


CM 


,_, 









CM 


■"*! 


CO 


CD 


o 


t^ 




CM 


»o 


t>. 


t^ 


co 









t^ 


OS 


CO 


CO 


o 


co 




o\ 


o^ 


l-H 


© 


oq_ 


CD_ 


S 






























o 


a 




eo 


eo 


00 


o 


00 


■* 




cm" 


l-H 


■* 




cm" 


eo" 




o 




co 


Wi 


os 


CD 


o 


o 




)fl 


'O 


OS 




os 


l-H 


p-3 

►J 


a 




۩= 


i— ( 


CM 


CM 


I— 1 


os 




I— 1 




l-H 


»o 


l-H 


l-H 






c 




o 


CM 


co 


,CO 


»a 


OS 




CO 


t^ 


OS 


co 


CM 


CO 


o 


O) 




co 


ia 


CD 


00 


M5 


t^. 




■>* 


t>- 


l>- 


co 


lO 


00 


S5 

< 






CO 


CM 


co 


-H 


CO 


CM 




co 




CM 


t^ 


l-H 


l-H 
































E W 
































h (5 






PC 


CD 


tH 


OS 


CO 


CO 




CM 


lO 


CM 


l-H 


ira 


os 


o «« 






CM 


t^ 


CO 


O 


CO 


»o 




co 


oo 


»ra 


CO 


co 


r>- 


5 M 


e 




lO 


rH 


00 


CD 


o 


»o^. 




00 


ta 


00 


"# 


00 


00 
































3 




OS 


CO 


t^ 


t— I 


»ra 


IC 




OS 




oo 


t-T 





00 


K 
to 


O 




CM 


OS 


r-H 


CD 


os 


os 




o 


CM 


Tt< 


co 


CM 


co 


a 




<M 


F— 1 


CO 


-rH 


eo 


CO 




00^ 




t-- 


SO 


CO 




< 




©^ 










rf 




cm" 




l-H 


""*" 




















۩= 




۩= 






l-H 






■ 

8 s 


a 




i— ( 


oo 


t^ 


F— 1 


lO 


os 




o 


o 


-* 


CM 


os 


tH 


<u 




CO 


© 


o 


CO 


"* 


CM 




CO 


CM 


Tjj 


l>- 


CO 





O 




CM 


CM 


CO 


r— 1 


CO 


CM 




• 


c<5 




1— 1 


l-H 


CM 


» s 


u 






























^ Ph 


o> 
Ph 


































rH 


CM 


if! 


Oi 


00 


oo 




r-t 


kC5 


00 


o 


CO 


rH 






ia 


00 


CO 


05 


co 


00 




CM 


lO 


l-H 


os 


t^ 


CO 


Q 






CO 


t- 


«3 


os 


oo 


00 




■^i. 


CM 


eo 


eo^ 


t^ 


0^ 


S 






























bj r 


3 




O 


OS 


t— I 


l-H 


eo 


rC 




oo" 


CM 


eo 


o" 


os 


co" 


3 K 


O 




CD 


lO 


CM 


eo 


oo 


ia 




CO 


CO 


t^ 


-* 


OS 


CO 


w 8 


a 




i— i 




iO 


CO 


eo 


ico^ 




eo 




CM 


T*^ 


ec 


r-H 






€fr 










t—i 




۩= 






co" 




















۩= 


















-t-5 




OS 


lO 


00 


-* 




CO 




CM 


t— 


>o 






CM 




<P 




lO 


OS 


Ci 


i>- 




CM 




CD 


t-- 


00 






rH 


to 


o 




l-H 




CO 


CN 


I 


CM 




l-H 


r— I 


l-H 


1 


1 


id 


Z 


fcl 






























<1 

o 


Pi 






























1-1 
































a 






00 


CD 


co 


r—l 




t— ( 




l-H 


t^ 


co 






OS 






co 


o 


1^ 


-rH 




co 




t^ 


>o 


lO 






os 


!=> 


•4-a 




OS 


©_ 


CM 


ia> 




i>- 




■* 


os 


OS 






00^ 

















1 












1 


1 




S 


3 




o 




CO 


co 








■* 


os 


o 






co" 


H 


O 




i-H 


t^ 


t^ 


as 




o 




o 


"* 


co 






00 


M 


a 




i— 1 




co 


CO 




o 




t>. 




l-H 






rt< 


Ph 




۩= 










l-H 




€& 




r-T 
























۩= 


















c 




CD 


r-H 


o 


o 


(M 


Tt< 




tH 


o 


CM 


l-H 


00 


^ 


en 


09 




GO 


CO 


CT5 


TJH 


lO 


-^ 




CO 


1*1 


o 


co 


eo 


t-- 




a 




co 


CD 


oS 


co 


■* 


t>l 




CM 


eo 




l-H 


T)5 


r£ 


© 


0) 






























A 

J 


Ph 




























































<< 






os 


O 




CM 


CD 


CO 




OS 


CM 


o 


o 


•«*< 


rH 


« 






»o 


CM 


CO 


O 


os 


l^-t 




(M 


00 


o 


o 


CM 


00 


W 






l^ 


OS 


CN_ 


tH 


os 


CO 




■* 




co 


»ra 


t^ 


l-H 


































3 




CO 


CO 


eo" 


*o 


CM 


TH 




OS 


co 


CM 


«3 


10 


co 


O 




CO 


CO 


00 


CM 


O 


CO 




■* 


os 


l-H 




CM 


CM 


a 




CM 


rH 


CO 


r-l 


ia 


o^ 




l-H 






o 


OS 


rH 


O 




۩= 




I— 1 


of 




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STATISTICAL TABLES. 



XXXV 













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STATISTICAL TABLES. 



2 & 






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STATISTICAL TABLES. 



XXXV11 



© © 

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SXXV111 



STATISTICAL TABLES. 



n3 

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10 


"^ 


OS 




* a 




































co" 


CO 


t~ 


HO 


1-H 


CO 




OS 


1-H 


CO 


CO 


i>r 


t>r 









o 


CD 


o 


CO 


1-H 


t^ 




00 


CO 


t>- 


OS 


co 


t>- 







O en 




■* 


O 


t>- 


CO 


t>. 


CO 




CD 


CO 


«t) 


i-H 


OS 


«o 


CO 




































^ I? 




i— < 


T* 


CO 


CO 


I-H 


CO 




>o 




t>- 


OS 


CO 


i-H 






S 
to 




۩= 










i-H 

€@ 




۩= 






CO 










5 


































CO 




i— i 


<M 


CO 


CO 


•* 


CO 




o 


eo 


CO 


W3 


■-H 


•* 


OS 






o 


T* 


CO 


CO 


1-H 


o 




•* 


o 


o 


CD 


CO 


\a 







o 




1—1 


CO 


I— c 


CO 


OO 


eo 




00 


CO 


CO 


00 


co^ 


co^ 


«3 




>-3 




































CO 


CO 


o 


CO 


CO 


i£3 




CO 


CO 


CO 


o 


i>r 


oT 


1-H 




T3 




<M 


CO 


CO 


lO 


I-H 


»o 




<§©= 






co 


iO 


l>. 






S 




۩= 


















CO 


CO 










eS 














€& 










of 










s 


































O 


































u 


































Ph 


































>> 


































c 




OS 


O 


00 


o 


l» 


CO 




1-H 


TH 


t^ 


-* 


CO 


r_( 


CO 






00 


o 


00 


OO 


«3 


i-H 




co 


eo 


■* 


eo 


co 


OS 


CO 




&0 to 




OO 


t>. 


CO 


t— 


rH 


I© 




CO 


t— 


i-H 


o 


C3_ 





10 




^ CO 




































o 


•* 


»o 


OS 


co 


t>- 




t>- 


CO 


eo 




«3* 


00 







T3 C 




o 


CO 


I— 1 


CO 


t^ 


eo 




CO 


1-H 


eo 


CO 


t^ 


CD 


i-H 




C » 




۩= 


1-H 


1— ( 


1-H 




kCi 




1-H 




i-H 


N 










03 g- 














۩= 




۩= 






I-H 










S w 


































e 


































o 


































to 




■* 


t^ 


o 


00 


o 


OS 




«* 


tH 


OS 


t^ 





CO 


l>- 




En 




i— i 


CO 


1—1 


OO 


i— c 


lO 




CO 


co 


OO 


■«*< 


t>. 











®1 




lO ' 


•HH 


00 






00 


t^ 


CD 


CO 


o_ 


l>. 


t^ 




































c 

c3 




«^ 


00 


cs 


t>. 


OS 


o 




*o 


OS 


Th 


CD 


c? 


eo 


CO 






CO 


-* 


«3 


t>- 


eo 


»o 




eo 




f-H 


00 


CO 


CO 








۩= 










CO 




f—C 




CO 


"f 
























۩= 




€©■ 
















<P 


































X 


































oj 


































H 


































3 o 




no 


OS 


CO 


CO 


CS 


00 




00 


t>- 


CO 


OS 


^ 


T« 


r^ 








OO 


CO 


t^ 


OO 


OS 




OS 


co 


CO 


CO 


l>- 


Tf< 


OS 




o a> 




*c 


o 


"* 


Tt< 


OS 


OS 




os 


o 


1-H 


CO 


00 


OS 


I>1 








































(D 


CO 


00 


t>- 


"* 


o 




eo 


ia 


CO 


I— 1 


00 


CD 









id 


»o 


eo 


co 


CO 


lO 




IQ 


CO 


CD 


CO 








CO 






۩= 


CO 


1-H 


i-H 




CO 




1-H 




1-H 


00 


r-H 


1-H 






2 a 












۩= 




۩= 
















•a H 


































« "2 


































0j C 


































00 




eo 


CO 


i-H 


CO 


t^ 


co 




"* 


eo 


1-H 


o 


CD 


CO 







-w 




■* 


00 


OS 


CS 


00 


o 




CO 


CO 


o 


i-H 


CO 


i-H 







C 




co^ 


1—1 


CO^ 


co 


■*l 


■* 




t^ 


OS 


I-H 


t>. 




CD 


CO 




o 


































&0 




i— i 


co 


CO 


eo 


CO 


eo 




CO 


o 


00 


■* 





l>. 


OS 




< 




CO 


"*l 


CO 


I>. 


CO 


OS 




CO 


«5 


CD 


o 





CO 


CO 






CO 


t^ 


lO 


CO 


CO 


«D_ , 




lO 




eo 


t^ 


-* 


CO 






o 

+5 




€& 










cS 




€©■ 






T)T 










•O 














۩= 




















"3 


























' 








&< 


















































CO 




















03 














H 




















H 














H 


































^ 


















>H 


o 














GO 


















2; 


ft 
































<t! 


M 














« 


















0* 


o 














B 


















2 


o 














o 








' 










O 


CO 






























Em 
O 


W 
03 






„ 








o 


















53 

S 


P 

w 

o 

< 






"3 

s 


'el 

3 

s 






M 

?5 




"3 

Sh 


3 

3 












fc 


03 
03 




^ 


2 










a 


4-1 

3 








r Jf 






3 


• 


13 
o 


03 

4-> 

"S 

03 


c 




CQ 


o 

o 


• 


o 

-1-3 


3 


• 


' 


• 


cJ 

3 

3 








aT 

Sh 


a 

c3 

a 

d 

.3 

o 

1-5 




.a 
o 
c3 

03 


'to 


-*— 


"eS 






.Sh 


.S- 


<5 


ef 




a 








3 

S3 

•7 s3 

a> 


s 

03 


0) 

CO 


-1-3 

o 
H 




of 

a 


o 

a 
a 
o 
o 


o 

CO 

a 
a 
o 

o 


2 

S3 

-t-3 

'3 
Ph 


"S 

03 

a 

Sh 

CO 




CO 

a 



w 


03 

OS 

a 



STATISTICAL TABLES. 



XXXIX 





































+ 4 


+4 


CO 




I— 1 


lO 


t—i 


CD 


CO 


Ol 


t-~ 


00 


CO 


•^ 


CO 


CD 


cs 




t— 




CD 


CO 


os 


OS 


CO 


CO 


»o 


co 


1— 1 


co 


OS 




o 


o 


t~- 


m 


OS 


•>. 


■* 


CD 


i— 1 


i— i 


00 


l-H 


t-»- 


CD^ 


co 


OS 


co 


CO 


CO 


os 


CO 


t^. 


t^ 


CO 


!>. 


o 


■^ 








































1 - 


.— i 


t>r 


CO 


co" 


co" 


CD 


t~ 


■^ 


os 


t^ 


T* 


co 


CO 


'O 


os 


o 


OS 


ID? 


OS 


co 


CO 


1Q 


CO 


CD 


ira 


** 


00 


OS 


-* 


-* 


o 


CO 


tr~ 


o 


Ol 


CO 




co 


o 


m 


Tl^ 


CO 


CO 


CD 


■"*■ 


CD 


CO 




00 


oo 


1—1 




co 


co 


ID 


CO 








































co 


co" 

1— < 


CO 
CO 


oo" 


CO 


CO 


00 


Tj< 


1—1 


CO 


CO 


os 


l-H 


CO 






CO 


CO 

I'. 


CD 

oo 

l-H 


OS 


CO 


CO 


o 


o 


m 


OS 


Tj< 


os 


o 


CO 


t-- 


o 


CS 


t^ 


o 


-H 


CO 


o 


oo 


Os 


CO 


CO 


CD 


t* 


t— 


l-H 


CO 


t^ 


CO 


o 


CO 


•"*" 




o 


CO 


o 


CO 


CO 


»o 


"^1 


°i. 


00 


1—1 


■^ 


o 


o 


1—1 


CS 


oo 


lO 


o 


lO 


GO 


l-H 


lO 


CS_ 








































oi" 


1— I 


ob" 


a? 


t-» 


T*t 


cT 


t^ 


CO 


CO 


1-H 


-* 


r— 


CO 


>o 


l^ 


CO 


•>* 


Cs" 


m 


o 


I— 1 


CO 


CO 


lO 


CD 


CO 


ID 


1—1 


■* 


t^ 


-* 


o 


i-H 






CO 


00 




o 


co 


1— I 




i-H 


»o 


CO 












1-H 








co^ 


cq^ 
ui" 


t-- 


co 


CO 


1— 1 


o 


lO 


o 


o 


1—1 


•* 


. 


CO 


o 


"<* 


CD 


-* 


CO 


OS 


F— 1 


oo 


-* 


CO 


co 


lO 


o 


Tl 


CD 




OS 


oo 


00 


oo 


CO 


t^. 


CO 


o 


cs 


•—( 


o^ 


eq 


oq 


t— 


t^ 


■<* 


CO 


t^ 


n< 


CO 




co 


1-H 


oc 






CO 


00 


^t 








































t^T 


o~ 


CO 


m 


** 




co 


CO 


t^ 


CD 


o 


oo 


00 


ID) 


i-H 


co 


ia 


t^ 


icT 


Tt« 


CD 


t-~ 


i-H 


CO 


CD 


"?H 


CO 


o 


o 


1-H 


t-~ 


00 


CO 


co 


00 


l>- 


oo 


CO 


1—1 


CO 


1— 1 


I— 1 




°1 

l-H 


CO 


1-H 




1— 1 


1-H 


co 




i-H 








os_ 

CD*" 




o 


OS 


CO 


t~ 


oo 


OS 


If 


CD 


o 


t^ 


CO 


t^ 


1-H 


ID1 


o 


CD 


Cs 


o 


T*l 


CO 


id 


co 


t"- 


os 


m 


CO 


o 


co 


CO 


CO 




co 


CO 


CO 


CD 


»o 


OS 


IQ 


°^ 


cq_ 


°i 


O^ 


Tt< 


i» 


CO 


CD 


CO 


o 


CD 


-* 


CD 


CS 


t>. 


co 


i-H 


00^ 


cs^ 








































TfT 


o" 


i— i 


CO* 


co 


CO 


■>* 


CO 


b- 






lO 


CO 


CO 


cs 


CO 


CD 


ID? 


«6" 


*o 


o 


o 


-HH 


CO 


o 


OS 


t>. 


«o 


t-~ 


CO 


CS 


to 


T* 


CO 


CO 


CO 


CS 


-* 




CO 


v$ 


CO 




-<J< 


I— 1 


I— 1 








i-H 












co^ 
co" 


cq^ 
co" 


DO 


00 


■* 


o 


o 


CO 


t~~ 


OS 


CS 


1* 


o 


oo 


CS 


t^ 


o 


co 


ID) 


CD 


Tf< 




co 




t^ 


CO 


co 


00 


co 


t-~ 


rH 


t^ 


00 


OS 




"O 




t-- 


t-- 


t^ 


CO 


co_ 


O^ 


co 


CD 


-* 


00 


CO 


«o 


»o 


00 


CO 


t^ 


CO 


o 


CO 


>0) 


"^ 


■* 








































OS 


©" 


Cs" 


CO 


co 


o 


ia 


t>- 


os 


i-H 


os 


CO 


CO 


ia> 


1-H 




tH 


iC 


co" 


co 


CO 


OS 


CD 


00 


00 


CO 


id 


OS 


t^ 


CO 


-* 


CO 


CO 


CO 


t^ 


i-H 


l« 


o 


■•— ' 


cq^ 


os 


CO 




os 


TH 


1—1 




l-H 


1-H 


t- 




1-H 






1—1 


"^1 


1-H 




i-T 


































oo" 


CO 


i— < 


CS 


O 


CD 


CO 


i— 1 


o 


CO 


CO 


t^ 


00 


co 


co 


CO 


ID 


CO 


00 


i-H 


CO 


CO 


co 


t^ 


oo 


to 


t^ 


CO 


CO 


os 


1-H 


i-H 


o 


oo 


o 


CD 


CO 


o 


CD 


-^ 


"^1 


cq_ 


os 


os 


t— 


-*l 


t>- 


t^- 


CO 


CO 


«5 


OS 


■>*< 


CS 


o 


co_ 


Tj< 


CO 








































co" 


CO 


c? 


o 


00 


OS 


■* 


co 


■* 


1—1 


id 


t^ 


i— c 


i-H 


o 


ID 




i>r 


o 


*a 


I— 1 


o 


co 


CD 


CD 


-* 


00 


os 


o 


co 


CO 


CO 


o 


lO 


CO 


00 


00 


00 


CO 


so 


cs^ 


CO 


ID 




1—1 


IQ 


CO 


Th 


CO 


eo^ 


CO 


id 


CO 


CO 


CO 


co 


oo" 

CO 


-• 


















QQ 

3 
















OS 


. 














"3 
3 






Sh 

Eh 


fcD 














03 

Sh 




• 


* 


• 


• 


• 


• 


3 


• 







• 












<D 


•■ . 


-1-3 

03 

3 





. 


*3* 

<a 

a 


. 


. 


3. 

Si 

as 


IS 


"3 

3 
-t-3 

3 


c3 




c3 

T J1 


. 


. 


"3 


IS 

3 

-1-3 

1 

3 

"c 


© 

+3 





-1-3 

c 
o 


OQ 

3 
o 


*3 

o 

Oh 
p 


3 

3 

3 


pq 

'oS 

3 

3 


"3 

s 

+3 
03 


o 

CD 


CO 

o> 

-t-a 

o 


4-3 

s 

c 

s 

CO 

pu. 


"8 

8 


-1-3 

'> 

o 

5h 


s 

V 
p 


'-3 


<D 

3 

Ph 


<u 

o 
> 

03 

Si 

Eh 


<y 

o 


c3 
-1-1 

"5 
p 


Q 

"So 
c 

IS 

00 

c3 


-Jl 

3 

*3 

o 
Eh 


3 
c3 

Sh 

o 



- 






xi 



STATISTICAL TABLES. 



C 
H 

'JO 

W 
x 

ft 

W 
Ph 

w 



H 
P-l 



pq 
< 





90 




JZ 


ic 


t^ 


OS 


-H 






CN 


CO 


cc 


CO 


CO 


t^- 








OS 


OS 


rc 


l- 


00 


1 




«>. 


CO 


i- 


CO 


X 


o 


. 






























l-H 






H 
































90 
90 




■* 


tH 


t^ 


tH 


t- 






CO 


CO 


co 


l-H 


X 


o 








OS 


.—1 


cc 


«o 


00 


t 




r^. 


OS 


o 


CO 


co 




1 








I— 1 






















l-H 






W 
































90 
90 
90 




N 


e 


i.c 


,_, 


CO 






CS 


CO 


CO 


o 


_, 


■* 








os 


OS 


c. 


c— 


CO 


1 




t^ 


OS 


in 


Co 


o 


o 


i 




























l-H 


l-H 




03 


3M 
































Si 




OS 


t^ 


«- 


© 


CO 






CO 


CO 


OS 


'C 


Co 


O! 




O 




OS 


Co 


OS 


t^. 


CO 


1 




CO 


CS 


1- 


OS 


o 


l-H 


1 




90 


































90 


























1—1 


"— I 




C5 


H 
































9 
CS 
90 




C4 


r-H 


.+. 


Co 


>o 


CO 




OS 


CS 


t- 


o 


CI 


I - 




s 

55 




OS 


O 


© 


CD 


cs 


GO 




r^- 


OS 


'O 


o 


o 


CD 


1 






l-H 


I— 1 
















r-H 


l-H 


r-H 




O 


H 




































































































• 




o 


<C 


l-H 


00 


la 


i- 




o 


l>- 


o 


X 


o 


CO 




a 

90 

H 




OS 


i— 1 


o 


•c 


Co 


00 




CO 


Co 


co 


CS 


c 




1 


O 

o 






l-H 


l-H 


















. — I 


r-H 




. 




CI 


o 


-H 


CS 


CO 


o 




X 


CO 


_, 


• - 


o 


CO 






Ci 
90 




CS 


Ol 


o 


CD 


OS 


os 




I- 


© 


cc 


c/-: 


C! 


CI 


1 








l-H 


l-H 












^H 






r-H 


r— 






H 
































. 




CO 


t- 


Co 


-H 


"* 


IQ 




Ol 


1- 


OS 


cc 


CJ 


-H 






09 
Cs 
90 




CO 


•HH 


OS 


CD 


CO 


CO 




t- 


OS 


IQ 


X 


l-H 


iC 


1 








l-H 




















1— 1 


r-H 






w* 
































, 




to 


CI 


CN 


I— 1 


>o 


-H 




CO 


CS 


o 


o 


t- 


rC 


1^ 




CS 

90 




CO 


CO 


OS 


co 


CO 


CO 




b- 


CO 


CO 


00 


c 


Tf 


t^ 








~* 




















1 — 1 


r^ 






H 




































1— 1 


IQ 


© 


<* 


Co 


CO 




•o 


CS 


CN 


o 


CI 


1^ 


CI 






OS 


l^ 


CO 


CO 


CO 


co 




l>. 


co 


CD 


co 


c. 


CO 


c 


a 






i — 1 






















r-H 




M 






































+ + 












•Oi 








6= 










r- 


OS 


CO 


t- 


CM 


r- 




t- 


Co 


o 


1— 1 


>o 


CO 


CD 








i- 


CI 


CO 


■* 


«^ 




co 


CS 


CD 


CI 


cc 


■c 


CO 


CO 




(— 1 


© 


t^- 


1—1 


t^ 


t— 




CI 


— i 


o 


CS 




cc 


CO 


































CO 




-fl 


o 


CO 


CO 


ec 


CM 




1 — 1 




CI 


CD' 


c 


CO 


o 






CD 


CO 


cc 


l-H 


o 






CO 


o 


CC 


X 


"*l 


lO 


CC' 






CO 


co 


cc 


cd 


ia> 


t^ 




O 




OS 


Ol 


CD 


l~ 




w 




€& 










c4~ 




,_T 






1- 








ft 














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>•/> 




















Hi- 




















— 






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cc 


es 


o 


r-H 


l-H 


Co 




CO 


-* 


CO 


CO 


1 - 


^H 


CO 


c 




CS 


CO 


t— 


CN. 


CS 


-ri 




CI 


CO 


CD 


"HH 


-f 


1^ 


CO 


p 




03 


GO 


T* 


t- 


CO 


l-H 




o 


T* 


-*l 


r-H 


rh 


CO 


-HH 


































S £ 




OS 


M 


-H 


cn 


o 


l-H 




t^ 


■co 


tH 


CO 


o 


t— 


o 




1- 


CS 


1- 


co 


o 


CO 




o 


>o 


CD 


CO 


o 


CI 


oo 


<i s 




X 


<N 


TJH 


Ol 


CO 


-,« 




Cs 


co 


00 


c> 


1- 


iO 


r^> 


B a 


































OS 


CN 


CO 


CO 


co 


CO 




r-- 




t^ 


CO 


OS 


o 


X 




co 


CN 


OS 


Co 


lO 


o 




CO 


l-H 


iC 


1— < 


CO 


"* 








S& 










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r-H 




r—t 


CS 








s 














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co 














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s 














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c* 


o 














w 
















S 


O 































o 
















H 
















o 


H 






- 








O 
















*H 


H 

H 

00 






3 


03 






P^ 




„ 












o 




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+a 




, 




O 




ci 


"ci 








• 


H 

s 

^j 

£ 




o 
< 
as 

CO 




rW 

o 

o 





n 




00 




o 

c 

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03 


ci 





T/ " 


o 
o 




3 





^ 


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S 


o 

3 

90 

r*J 
as 
pq 




ci 

w 

C 
r0 

o 

r-s 


3 
r0 

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e3 

00 
CO 
83 


if. 


o 



CD 


'c3 
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H 


c 


ts 

+3 

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CD 




o 

o 


O 

o 



O 

O 


CD 

cS 

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cr 


•rH 

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o3 

g 

CD 

o 


CD 

e 

o 

w 


co 
ci 
as 

p 

o3 

M 



STATISTICAL TABLES. 



xli 



O I CO CO I 00 ! CM 



a 



O . 

a g 
i> c 






.S 'G 






i— I CM i— I 



SJ3 



a; <n 



i— ( 



on 


CO 


CO 


rjH 


CD 


o 


to 


t^ 


CO 


CD 


o 


CM 


CO 


CO 


ira 












OS 


o 


l~~ 


f^ 


«o 


f— 1 


lO 


o 


CM 


00 


«o 


t*. 


CO 


*a 


m 



■*H 


t~ 


OS 


CO 


CD 


T* 


CM 


CD 


o 


OS 


OS 


CM 


ta 


o 


cm 


OS 


Tt< 


O 


OS 


os 


CM 


1^ 


tH 


OS 


CO 


o 


t^ 


t-» 


■^ 


CO 


CO 


CM 


OS 
























id 


*a 


rH 


cm 


OS 


o 


CO 


i-^ 


o 


I>. 


•^ 


.— i 


i— i 


00 


CM 


■* 


CO 


!>. 


■«*« 


CM 


T* 


CN 


CO 


CM 


ID 


CO 


CO 


I— 1 


■<** 


CO 


•* 


CM 


OS 
























1—1 


CM 


CD 


CO 


t>- 


CD 


CM 


CO 


CO 


CO 


O^ 


CO 


CM 


t^ 


1— I 


CO 


O 


id 


(M 


CO 


o 


00 



-* 


CO 


1— 1 


"<+! 


T-tH 


CO 


OS 


.— 1 


CO 


t^ 


o 


os 










OS 


o 


t>. 


»o 


ID 


CO 


OS 


eo 


CO 


t^ 


■* 


ID 










>o 


OS 


CO 


o 


00 


l>. 


CO 


rf< 






HI 


„ 


CO 


a. 


o 








— 













C, 


£> 


"-„ 






rt 


X. 








-a 


m 


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3 


., 


TJ 


M 


a 


a 






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rs 


a 


3 


H 



• ..••..•• to B • 

S ^ 

■— 1 *H -U 

I -- S I I « 

I | ,- .3 § | | g . a i i i | « * s i i | 



"3 2 

&< a> 

es -a 

« -3 

o a 

■g 60 

o o 

o - 



60 .g 

2 - 



xlii 



STATISTICAL TABLES. 



O 

H 

02 

CO 

co 
O 
Hi 

Em 
O 

to 

P* 
<) 



h .a 

CD 

s -° 

+3 
Ph C3 

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t— i 

co « 

o -g 
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ps 5 

ft « 



w 

H 
I— I 

P 
ft 

W 

H 

Q 






pq 



o 

Ph © 

< & 



-a 
H 







CO 


i— i 


t-» 


1— 1 


Ci 


(M 


o 


co 


rH 


ia 


CO 


00 


CM 




'UtfAl/S 


rH 


IO 


t— 


1— < 


Cs 


tH 


<M 


rH 


lO 


OS 


OS 


IO 


O 




sj'Ba^aAi^sq) 


l-H 


F— I 


.— i 


1—1 




CN 


l-H 


•-H 


^H 


l-H 




i-H 


l-H 


I 


JOJ 93tJJ9AV 


































co 


00 




l>- 


CO 


C75 


rH 


CO 


rH 


co 


o 


CO 


co 




O 


rt 


rH 


I© 


00 


o 


o 


(M 


l-H 


»o 


rH 


00 


o 


IO 


o 




w 


05 
























• 




1 




90 

H 






























S3 
































M 
H 
C3 






























































. 


i—i 


,_! 


CO 


W3 


o 


CO 


CO 


tM 


OS 


os 


CD 


i-H 


t^ 




o 


01 


io 


rH 


t>; 


CN 


o 


Tf 


o 


CD 


co 


OS 


OS 


l>- 


i-H 




a 


a 




























1 


^ 


90 

H 






























fc 


































































































CO 


CD 


1— I 


lO 


o 


CO 


CO 


CO 


CO 


CO 


CO 


co 


rH 




O 


OJ 


io 


CO 


GO 


1— ( 


o 


co 


CN 


co 


rH 


00 


OS 


t-J 


OS 




H 


A 






















• 


1—1 


• 


f 


03 


00 






























CO 

O 


H 






























J 
h 






























































O 
































55 

P 

o 


• 


CM 


io 


OS 


tH 


oq 


o 


OS 


r» 


CO 


cc 


CO 


l-H 


i-H 


i-H 


OS 
90 


i— ( 


rH 

i— ( 


CO 

rH 


1— 1 


o 


csi 


°2 

l-H 


CN 

l-H 


rH 


l-H 


!>; 


IO 

i-H 


O 


CO 
i-H 


a 


H 






























ft 






























































o 
































o 


t 


i— 1 


lO 


OS 


co 


CO 


OS 


rH 


t— 


CO 


o 


CO 


i-H 


rH 


rH 


to 


Th 


"*. 


*>; 


o 


oo 


■>* 


Ofl 


CO 


CO 


OS 


l-H 


rH 


OS 


OS 




05 
90 


l-H 


1— ( 


i—l 


1— ( 




c4 


l-H 


l-H 


•-H 


l-H 


l-H 


r-H 




r4 


M 


H 






























•sepnoj 


00 


i© 


CO 


1—1 


OS 


ia 


CO 


t^. 


t>- 


o 


l-H 


rH 


O 


rH 


f— 1 


co 


rH 


o 


GO 


CO 


o 


CO 


lO 


CO 


o 


rH 


OS 


00 


jo jdqmn^ 


1— 1 


i— ( 


1-4 


1— I 


" 


CN 


l-H 


l-H 


l-H 


l-H 


^H 


i-H 




l-H 


u^api a), oi^a 






























OS 

00 




oo 


OS 


•o 


C5 


co 


OS 


rH 


rH 


rH 


CO 


OS 


(M 


CM 


o 




io 


<M 


00 


OS 


lO 


00 


l>. 


!>. 


CN 


l-H 


IO 


rH 


i-H 




l-H 


-w 


co^ 


i-H 


io 


CO 


CO 


CO 


o 


ia 


ta^ 


rH 


OS 


CO 


IO 


CM 




£3 






























5 




t>r 


OS 


CO 


CD 


CO 


CO 


OS 


l-H 


Oi 


OS 


00 


i— t 


CO 


IO 




© 


t>. 


OS 


CO 


uo 


OS 


1—1 


CO 


o 


l-H 


co 


lO 


!>. 


t^ 


rH 


U 


a 


CO 


CO^ 


00^ 


113 


** 


°i 


IQ 


IQ 


co^ 


l-H 


t^ 


IO 


CO 


t~ 


H 


■aj 


of 


i—i 


CO 


aT 




co" 


r-T 




oT 


l-H 










<! 




1—1 




























H 




€& 




























ft 






























































M 


m 


00 


OS 


CO 


i>. 


CO 


o 


00 


OO 


t^ 


OS 


OS 


OS 


GO 


O 


03 


5 

a 


CM 


IO 


00 


r— 1 


t^ 


CO 


CO 


r^ 


(M 


»co 


l-H 


IO 


co 


rH 


g 


CO^ 


rH 


l-H 


00^ 


1— I 


lO 


, lO 


CN 


CO 


rH 


CO 


<N 


I-H 


rH 
































3 


3 


CO 




1— I 


esf 




l-H 






l-H 












o 


fc 






























•ssautsng 


CO 


rH 


IO 


iO 


ta 


CO 


t^ 


OS 


o 


O 


o 


o 


l-H 


^ 


rH 


rH 


rH 


^H 


>* 


rH 


rH 


rH 


«3 


*o 


lO 


IO 


IO 


IO 


peoaamraoo 


00 


00 


00 


OO 


00 


00 


00 


00 


CO 


00 


oo 


co 


00 


CO 


►h 




. 








• 












• 






5Z5 




. 








• 












• 






<! 






























Oh 






























& 






























o 




,_r 


























o 




e8 
53 








^J" 




















o 

S 


'3 

d 

a 


"3 

a 

d 
d 

oS 

"fcb 

p 


<d 

CO 

a 

m 

"el 

a 
d 

a 


O 
>* 


"el 

3 

d 

CD 

•4-3 

c3 
-u 
CO 


o3 

d 
d 

d 
o 

o 

d 
c 
o 
o 


i—i 

d 

d 
d 

03 

Ph 


•a 

d 
d 

d 
o 

'8 

P 


of 

a 

-1-3 
It 


d 

03 

-t-3 

o3 

d 

03 


"e3 

d 
o 

03 


otT 

CU 

03 

4-3 
CO 

-d 

co 

"8 


co 

M 

'•a 

CO 

CO 

PP 


'o3 

d 
d 

'S 
8 
-d 
Ph 



STATISTICAL TABLES. 



xliii 



CS 




iC 


CO 


eo 


co 


io 


o 


CM 


CM 


co 




OS 








o 


en 


CM 


CD 


eo 


CO 


Tj< 


o 


o 


oo 


00 




CM 












r-H 






i-H 


l-H 




l-H 




l-H 








1 




r» 


CS 


co 


r-H 


CO 


CM 


os 


(M 


CM 


lO 


CO 




CS 








i-h 


00 




00 


co 


io 


OS 


00 


•— ' 


t^ 


t^- 




© 












r-H 


l-H 


r-H 




l-H 




l-H 




CM 




i-H 










CS 


tX 


OS 


f^ 


o» 


o 


(M 




OS 


t^ 




-* 








— < 


OS 


CO 


io 


CO 


CO 


l^ 


OS 


OS 


t^ 


o 




CM 




























CM 




r-H 








OS 




i— I 


«>. 


OS 


t— 


00 


o 


co 




1—t 


CO 










O 


o 


CM 


io 


CS 


CO 


CO 


OS 


OS 


os 


eo 


t>- 


CO 








i— ( 


i— 1 


i-H 


i-H 




l-H 


i-H 








CM 




r-H 








■** 


CM 


CM 


i-H 


i-H 


i-H 


io 




co 


*# 


o 


t>. 





CM 


CM 


t>- 


i— 1 


00 


CM 


>o 


tm 


IO 


I-H 


OS 


r- 1 


OS 


o 


t— 


CO 


CO 


OS 


CM 


i— I 






i-H 


I-H 




i-H 












rH 






l-H 


fM 


•* 


© 


lO 


o 


00 


l-H 


lO 


eo 


CO 


OS 


T* 


CM 


to 


■>* 


l-H 


O 


00 


eo 


CO 


CM 


t- 


o 


«* 


o 


t-~ 


CS 


fr- 


»o 


00 


CM 


eo 


l-H 
























i-H 




l-H 


l-H 


CO 


o 




i-H 


CO 


os 


IO 


eo 


cs 


CO 


i-H 


OS 


CO 


00 


CO 


00 


CS 


00 


•— ' 


lO 


CM 


■* 


OS 


r-H 


t^ 


oo 


o 


CO 


eo 


co 





I-H 






l-H 




l-H 


l-H 




i-H 






I-H 




l-H 




i-H 


l-H 


o 


lO 


CO 


CM 


T* 


io 


eo 


00 


CO 


CM 


eo 


00 


eo 


CM 





CM 


l*» 


lO 


■* 




CM 


»o 


i-H 


CO 


■* 


IO 


t>. 


OS 


CM 


I-H 





co 


o 


•o 


CS 


lO 




t>- 


l-H 


OS 


OS 


CM 


t- 


eo 


t^ 


OS 





OS 


































OS 


CM 


co 


eo 


»>. 


Tt< 


CD 


o 


co 


CM 


o 


co 


CO 


t~- 


00 


CM 


■<** 


t- 


IO 


lO 


CO 


t— 


CM 


•* 


i-H 


r^- 


CM 


CO 


10 


eo 





*-«. 


os 




00^ 

l-H 
l-H 


~ 


■* 


00 


CM 


i-H 


i-H 


r>. 


CM 


10 


i-h" 


CM 


l—t 


co^ 

CD 


t— 


CS 


o 


CS 




OS 


00 


t>. 


00 


CO 


t>- 


OS 


i-H 


IO 


OS 


00 


TH 


o 


co 


O 


CO 


CO 


o 


«o 


CO 


00 


os 


CN 


■^ 


CO 


"tf 


eo 


eo 


°1 

l-H 


i-H 

eo" 


CO 


CM 


eo 


i-H 


eo 




CM 




CO 


eo 






"^1 

CM 


l-H 


00 


CS 


O 


o 


© 


(M 


TfH 


IO 


IO 


CO 


t>. 


IO 


CD 


CM 




IO 


iO 


io 


CO 


co 


CD 


CO 


co 


CO 


CD 


CD 


co 


t>. 


t>- 


00 


1 


00 


CO 


00 


oo 


CO 


00 


00 


00 


00 


00 


CO 


CO 


CO 


00 


00 






















-4-3* 
































CO 














*■ 




. 


• 


. 


• 




. 


• 


3 


. 


. 


. 


. 


. 


. 


o5 


r-H 
co 










eo 

3 




r. 


H 














"3 


3 
— 

s 
3 

S3 

•-I 

CD 

w 

© 

-3 

rH 

o 










a 




S3 

rH 


*& 






CO 








CO 

*a 
*3 
CD 
CO 

o 

eg 
co 

CO 

eo 


CD 

3 

csS- 
+3 

'5 
w 


'3 

co 

a 

rH 

0) 

o 


op" 

a 

o 


s 

o 

-— 

to 

.a 

CO 


CJ 

o 

ej 

s 

eo 

w 

3 


m 

rH 

co 
es 

rH 

H 


0) 

s 
13 

o 

4-3 

s 
o 

CD 

s 
c 
o 
o 


3 

C3 

CD 

<rH 

h-1 

-1-3 

3 
CD 

p 


3" 

e3 



p 

CD 


"3 

43 
3 




. 3 

.2 
"a 

p 


60 
3 

'> 

o3 

-h3 

3 
CD 

"■^ 

"f> 


u 

P-H 


is 

4J 
3 
CD 

3 


a 
a 

CO 

eo 

CO 

3 

CO 

M 


c«r 
"08 

HVa 


H 



xliv 



STATISTICAL TABLES. 



6 

w 

Q 

» 
o 

O 



ft 

o 

(^ 

ft 
o 

SZJ 

P 

o 



'ft 

ft 
ft 

a 



ft 

ft 

hH 

ft 

ft 
ft 
H 
^ 

i— i 
ft 

H 
ft" 

ft 
co 



O 

Ph 



ft 

ft 

ft 



a 



s 



00 § 



CD 

o 



03 



.3 

H 
I 

w 

H 
O 



i 






CO 


r~~ 


i—i 


co 


o 


CM 




,_, 


co 


CO 


co 


CM 


Tt< 








o 


OS 


co 


kO 


»ra 


CM 




co 


OO 


m 


»o 


co 










«s 


CO 


CD 


o 


Tfl 


CO 




CM 


CM 


o 


ta 


CO 


o^ 








































OS 


-sH 


i— 1 


h- 




TH 




l>. 


CM 


CM 


OS 


lO 


t>r 




a 




os 


I— 1 


t>- 


OS 


OS 


'l>- 




CM 


O 


T* 


o 


CM 


■* 


w 


3 




lO 


CO 


O 


kO 


CM 


00 




O 


CO 


o 


o 


o 


CM 


o 


o 






























« 


a 






ta 


t^ 


00 


O 


CM 




o 




CO 


CM 


OS 


CM 


o 




■* 


CM 


OS 


OS 


CO 


CM 




T* 


1— 1 


«3 


1— 1 


CO 


■^ 


&H 


-«j 




۩= 










co 




i— 1 




I-H 


OS 






g 
















۩= 




۩= 










































CO 
H 






























































3 






CO 


CO 


CO 


OS 


OS 


O 




CO 


CO 


CO 


00 


CM 


•* 


3 

o 






|— 1 


CO 


o 


co 


-* 


o 




co 


00 


o 


t^ 


t>. 


o 






OS 


l>. 


OS 


os 


o 


co 




CO 


t^ 


co 


■<HH 


t^ 


co 


































•O 




»o 


CM 


!>. 


-* 


1— 1 


CM 




lO 


CO 


co 


t^ 


o 


1— 1 




a 




1—1 


1— 1 


CO 


CO 


CM 


CM 




00 




CO 


00 


■* 


CM 




3 














i— 1 










CM 








fc 




































os 


*o 


I— I 


OS 


oo 


CM 




W3 


CO 


ico 


o 


ia 


OS 








CM 


»o 


CO 


co 


1— 1 


ia 




CO 


"# 


oo 


00 


co 


!>. 








CO 


o 


CO 


CD 


lO 


OS 




"t 


co^ 


1— I 




00 


CM 




































a 




© 


CM 


tH 


00 




CO 




oT 


tC 


ICO 


t^ 


co 


OS 




3 




3 


T* 


OS 


CM 


CO 


oo 




1—1 


CO 


HO 


■* 


CM 


CO 


oo 


O 




o 


1— 1 


t-» 


co 


t^. 




1— 1 


-* 


co_ 


cs^ 


1—1 


"^ 




a 






























O 




CO* 


CO 


t» 


"HH 


t-T 


00 




-* 






I— I 




co" 


1-5 


< 




۩= 










CM 




۩= 






1 






M 
















۩= 










1 






O 
































g 
































5 
ft 


r . 




CM 


OS 


OS 


o 


CO 


CO 




CO 


CO 


t^. 


1— 1 


o 


o 


3 
.a 




00 


■*t< 


o 


t-» 


CO 


os 




OS 


OS 


CM 


o 


CD 


CO 




1— 1 


CO 


«T> 


OS 


"* 


OS 




OS 


CM 


CO 


OS 


t>- 


CO 


































a 




1— 1 


CM 


CO 


1— I 


CM 


1—1 




1— 1 






«5 




1— 1 




3 














1—1 


















fc 




































CM 


CO 


r— 1 


t^ 


l>. 


o 




lO 


■* 


o 


o 


o 


«o> 








lO 


co 


CM 


t-H 


OS 


CM 




1— 1 


*a 


-<HH 




lO 


co 








©^ 


t^ 


CO 


lO 


lO 


t^. 




00 


00 


CO 


t^ 


*a 


o 




































a 




co" 


cm" 


t^ 


OS 


o 


CD 




'HH 


TiH 


CO 


UO 


UO 


of 




3 




CM 


1— 1 


CM 


CO 


co 


OS 




CM 


CM 


co 


CM 


co 


t~ 




o 




co_ 


CM 




CM 


o_ 


OS 




co^ 


CO 


1—1 




o 


00 


Q 


a 






























a 




«3~ 


th" 


■* 


00 


ieT 


CO 




CO 


1— 1 


o 


CO 


OS 


00 


H 


*< 




6& 




i— 1 






co 




1—1 




1-H 


co 






















۩= 




۩= 






1-1 






a 
































« 
































H 






lO 


CO 


CO 


os 


o 


CO 




b» 


tH 




t^ 


o 


CO 


EH 






t^ 


t^- 


!>. 


1—1 


o 


■* 




-HH 


00 


»o 


lO 


os 


co 






CN 


os 


i— 1 


h- 


OS 


o 




■* 


os 


CO 


CM 


oo 


OS 


































a 




CM 


I— I 


no 


CM 


1— 1 


TiT 




00 




CO 


oo 


TJH 


CO 




3 














i— i 










CO 








fc 




































i— t 


CO 


CM 


CO 


lO 


CM 




o 


t>- 


ICO 


o 


lO 


■* 








CO 


CO 


o 


00 


1— 1 


!>. 




00 


os 


CM 


co 




I— 1 








CO 


l>. 


CM 


1— 1 


r-t 


CO 




CM^ 


Tj^ 


lO 


lO 


■* 


CO 




































h-» 




CO 


TjH 


CM 


00 


CM 


CO 




"** 


cm" 


00 


00 


CM 


!-H 




a 




CD 


lO 


CM 


os 


tH 


CO 




•* 


1— ( 


I— 1 


t^ 


OS 


1—1 




3 




t^ 


CM 


CO 


os 


"*~ 


t>- 




t» 


CO 


UO 


o 


1—1 


CO 




O 

a 


































CO 


© 




(M 


cm" 


«5 




cT 


!-H 


1— 1 


CM 


OS 


CM 






©s= 


I— 1 


CM 


1— 1 


1— 1 


'CO 




CM 




1—1 


CO 




f— 1 


O 


<i 














<=£= 




€©■ 






1— 1 






w 
































p 
































CO 
































<o 
































M 




































t~~ 


»o 


t~- 


os 


CO 


1—1 




W5 


t^ 


00 


CO 


o 


co 




(h 




ICO 


CM 


CO 


00 


CO 


Tt< 




"* 


l>- 


r>- 


»o 


«o 


CM 




£> 




T« 


CO 


co 


CO 


CO 


o 




•* 


CM 


T±l 


1—1 


co 


CO 


































a 

3 




CO 


<* 


00 


">* 


•* 


co" 




O 


1—1 


■* 


-*l 


lO 


o 
















CM 










'HH 








6 


































CO 














CO 


















H 














H 


















KH 














H 


















13 














<j 
















>H 


<! 














Eh 
















fc 


Ph 














tc 
















<1 
Ph 


o 
o 














Ph 

Ph 
K 
















O 


OS 










, 




H 
















a 
o 


H 
H 
Ph 
m 

W 
o 






'3 

3 

d 


"3 



-t-s 

3 


• 




O 
O 

CO 

W 




"e3 

u 
<x> 
a 
as 


13 















CO 

op 




o 
o 


CO 
03 




"eS 




M 
-9* 




o 














<d 


^ 


o 


CO 


ro 


3 


QQ 


Ph 




Ji 


c 


^ 


«t 








3 


Ct> 

u 


3 

c3 

X 

s 

,3 

o 


3 

o 
e8 

CO 
CO 






IS 

02 


-3 

WH> 

o 


s 

o 
O 


a 


u 

o 

PI 

01 

o 
o 


o 

o 
01 


o 

o 


as 

1—1 
c3 

1 


"8 

OS 

g 

as 

o 


a 

o 



STATISTICAL TABLES. 



xlv 



■*t< 


OS 


r^. 


00 


CO 


r^ 


i— i 


o 




■** 


t— i 


t^- 


oo 


m 


CD 












CO 


O 


00 


•* 


CO 


i—l 


l~- 


o 


!>. 


CO 


CO 


lO 


Tf< 


(M 


r^ 












l-H 


co 


oo 


00 


as 


CD 


CO 


OS 


JjJ 


CO 



l-l T* 1-1 



q 
to 



cc 


1—1 


OS 


C5 


CO 


•^ 


r>- 


T* 


t^ 


■f 


Tj< 


CD 


CO 


1—1 


io 


t^ 


CO 


00 














O 


(M 


CO 


»o 


o 


CO 


lO 


oo 


t>- 


OS 


o 


r/> 


CO 


CO 


GO 


»o 


CO 


o 














Tf< 


CO 


OO 


oo 


CO 


»o 


00 


eo 


eo 


T* 


89= 


OS 



T« CO 

CO r-H 

© o 






tH 


■* 


eo 


o 


O 


co 


o 


i— i 


o 


as 


«o 


H 


1— 1 




co 


t-- 


CO 


CO 


i—i 


a> 


o 
















-* 


>o 


o 


CO 


o 


o 


h~ 


co 


CO 


CO 


eo 


o 


CO 


i—l 




CO 



1—1 


CO 


co 


-+l 


o 


CO 


as 


o 


lO 


lO 


o 


r~- 










CO 


Os 


oo 


-* 




O 


T* 


i-^ 




l>- 


t^ 


CO 



CO 


CO 


o 


l>. 


oo 


00 


o 


O 


1— t 


Tt< 


oo 


1— 1 




CO 


CO 


00 


O 


r^ 


CO 


CO 


CO 


i— 1 


co 


CD 


as 


i— ( 


co 




















© 


© 


o 


o 


1— 1 


o 


CO 


o 


co 


o 


t- 


to 


I-H 


I-H 


as 


co 


t^ 


CO 


co 


o 


1—1 


CO 


CO 


as 


o 


CO 


CO 




















co 


Tt< 


»o 


CO 


"«* 


CO 


© 




CO 




CO ^ 

so t— 

lO CO 



CO 


CO 


co 


CO 


eo 


CO 






xf 


l-H 



o 


t^ 


© 


CO 


CO 


CO 


o 


b» 


i—i 


co 


-=* 


CO 


<r> 


CO 


o 


as 


as 


CO 














•* 


o 


CO 


CO 


oo 


o 


to 


o 


1—1 






co 


o 


oo 


1—1 


CO 


CO 


o 














CO 


eo 


as 


■* 


co 


I-H 



^o 


co 


o 


CO 


iO 


CO 


«3 


co 


■>* 


© 


CO 


CO 


CO 


t>- 


CO 












co 


CO 


Tf« 


oo 


i-H 


CO 


CO 


as 


CO 


o 


CO 


"* 


iO 


co 


Tt< 












CO 


as 


t^ 


© 


iO 



as 

© 
CO 



CO I-H ,—| i-H 



CO o 
o t- 



CO 

as 

CO 

as 
to 




as 


as 


eo 


■** 


t^ 


CO 


l-H 


CO 


o 



GO 


CO 


o 


CO 


© 


l-H 


co 


CO 


lO 


r- 


CO 


CO 


I-H 


CO 


CO 



eo 


CO 


CO 


r^ 


t» 


-+i 


a; 


i-H 


to 








oo 


Tf 


CO 


i-H 


OO 


CO 


00 


cc 


CO 








CO 


eo 


t^ 



r^ 


l-H 


00 


CO 




as 


as 


•f 


eo 


CO 


to 


as 










o 


00 




eo 


o 


as 


t>- 


r^ 


o 


i^ 


© 


CO 










co 


CO 


CO 


i-H 


eo 


lO 


CO 


i-H 



a. 

I-H 

CO 
CO 



1^ 


t>- 


CO 


O 


o 


CO 


o 


o 


as 


"* 


o 


r^. 


o 


00 


CO 


-tfi 


CO 


^* 














CO 


l>- 


CO 


t^ 


o 


•HH 


r^ 


CO 


co 


as 


T« 


CO 


CO 


o 


CO 


as 


th 


CO 














CO 


© 


CD 


t~ 


t~ 


eo 


CO 








00 


io 



€©= €&= 



l-H 


CO 


CO 


CO 


CD 


eo 


TH 


rH 


OS 


o 


CO 


t^ 


eo 


00 


iO 


lO 


o 


O 


w 


CO 


t~~ 


lO 


t>. 




^H 


CO 


CO 


■* 


Os 


CD 


i-H 


CD 


o 


CO 




•«*l 


o 


Os 




>o 


o 


io 


lO 


eo 


T*l 


lO 


co 


co 


OS 


CO 


co 


00 


lO 


lO 


o 


CD 


co 


■>* 


CO 


CD 










































l-H 


•O 


to 

l-H 


as 


CO 

i-H 


b- 




eo 

CO 


CO 


co 


■>* 


C-- 


eo 

CO 


«o 


l-H 


IO 


CO 


tjT 


CD 

CO 

eo 


CO 

CD 
CO 










- 












-^ 
















tn" 
CD 


















"ei 






H 
















-4-S 

e3 
— 
CO 




• 


' 


• 


• 


• 


• 


• 


3 
3 


• 


• 


3 


00 

tn 














CD 


^ 


"3 

s 

-4-> 

3 

GO 

cj 

GO 

3 
cS 

M 


• 


S3 


• 


CD 

a 


• 


• 


3 


"es 

3 
+i 

3 

3 
3 
CD 


3 


c3 
3 


3 

'> 

e3 
CO 


• 


• 


— 


'ei 


00 
CD 


3 


c 

Cm 

o 


o 


P 
_ej 
-u 

c3 

xi 
3 

e3 


£h 
O 

>H 




CD 

m 

3 


53 

.2 

"-£3 


*H 

o 

CD 


CD 

J3 
O 


a 

3 

8 


-t-3 

3 
o 

o 

u 


3 

CD 

P> 
O 
!h 

Ph 


.2 

+3 
3 

CD 

3 

?H 

PH 


s 

c3 

Si 


3 
CD 

D 

c 
.2 
'5 


3 

3 
O 

'£ 
P 


c3 

-4-S 

CO 

CD 

— 


O 

fee 

3 

GO 


CO 

O 

H 


3 

Sh 

o 



xlvi 



STATISTICAL TABLES. 



H 
Ph 

O 

M 

o 
o 



O 



M 
H 



o 





g 


o 


o 


Ph 


tfH 




02 


Eh 


c 


o 


"-C 




o 


^ 


3 


o 

1—1 


03 


H 


^ 


**j 


O 


Q 


el 


i— i 




I=h 








r/9 


«S 


r/5 


■** 


<J 


02 


►H 

n 


^3 

-4-a 







* 










* 


* 


* 


* 




* 




* * 






CN 


i— i 


lO 


OS 


oo 


os 


CM 


OS 


r^ 


CO 


1— 1 


OJ 


O CM 




00 


IN 


00 


Ir^ 


iQ 


OS 


o 


OS 


CO 


Of) 


OS 


OS 




co ■* 




1— 1 


CO 


o 


00 


1^ 


o 


o 


, t- 


^fi 


os 


co 




OS 


in cm 


































o 


CO 


CM 


OS ' 


lO 


lO 


CM 


1 os 


CN 


os 


lO 


CO 


o 


1Q o 


u, 


1— 1 


l-H 


co 


00 


■* 


CO 




r-~ 


O 


T*l 


■<* 




1—1 


00 CD 


<D 


tf> 








r-H 


■* 




os 


CO 


I—I 




T— 1 




io oo 


V 










۩= 


۩= 




CO 












lO 


M 
































<M 


o 


os 


co 


t>. 


t- 


OS 


I—I 


ID 


■* 


o 


CO 


rtl 


CO CO 




l>. 


O 


r^ 


OS 


"* 


00 


o 


CO 




OS 


o 


os 


iQ 


r-l t>- 




o 


f>! 


r^ 


1—1 


CM 


US 


I—I 


1—1 


CO 


CO 


*o 


<N 


«o 


CO I— 


































CO 


on 


-* 


co ' 


CM 


t^ 


00 


1 1-1 


OS 


lO 


CD 


00 


C75 


r— CM 


3 


«3 


i—i 


OS 


OS 


CO 


00 


t» 


CD 


m 


■tfl 


CO 


OS 


CO 


CD CO 


o 






fN 


OS 


«o 


TJH 




tH 


t* 


o 


o 


CO 


1^ 


CM t— 


a 


& 






























i— ( 




CM 


T)H 




TH 




Ttl 


t^- 


"<*l 




i—l CM 


•< 










۩= 


CN 
















i—i 


fc! 


i—i 


?— < 


i—i 


CM 


O 


00 


■* 


CO 


(M 


_, 


■"+> 


(M 


co- 


b- CO 


.a 

a 


oo 


r^. 


O 


«>- 1 


CM 


oo 


CM 


I os 


CO 


o 


co 


tK 


ck 


O ^H 






*o 


co 


o 


co 




os 


i— ( 


»o 


o 


CO 


<N 


CM CM 






































I—I 


© 




(M 




I—I 


■* 


i-H 




io 


to 












I—I 



















i—t 


os 


fN 


lO 


CD 


co 


in 


oo 


rH 


os 


t^ 


fM 


OS 


o 


O 


o 


lO 


1^ 
















os 


00 


-«* 


"*i 


r^. 


CO 


lO 


os 


lO 


co 


r^ 


OS 


«o 


co 


os 


r-H 


os 














l-H 


r-H 


co 


r-H 


t^ 


ta 



■HH CO CO CD OS 

O OS O CO lO 

CO CO OO CM CM 

of 



l-H r-H O 



-* CO 

CM CO 

t^ CM^ CO O OS 

to" M o" t)T h 

gar r-H r-H t>i O 



co o *-- io oo 

0O O r— I i— I !>- - 
CSCO'lOiOOOOOOCSO 



oooocor^-cscoot>- 



co ta © cm 



co co t^ 
ira »o os 

CO CO OS r-H 



COOCOi-HOCMIt^i— I 00 ■* H 
OOOOCOt^OOSCOCOCOCM'Ci 

OOi— ICOC^-rtHCOr-H^CMCOlO^GO 

ocT t^" «o~ co irT oo" oo cm co oT cm" 

t^OOS-<*IOSCOr— It^tOi— ICD 
O © »0 CO OS i— Ir— lOSOSr-HO 

OO* o" CN~ OS 00 CO icT rp" CO IQ* 



^- co co i-H r^- 

i-H o t^ 00 OS 
t^ lO CD 1*1 OS 



OS CO 

i—i m 

CO CM 



CM CO 

00 CM 

t-^ co 



os^ o 

K^ CO 



CM -* O 00 



l^ CO O CO CO 

-HH O »Q CM (M 

H (O ^ "O M 

r-T TjT o CM co" 

OO ^ H s s 

M ffi CC; l» ffl 

HI* H IN O" cf 



OSCNCOCDi— llOOS'Ot-- 

t-~CMr-HCDr-l00t-»OSCO 
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CM "<±i 
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W o W M S S S S: 



STATISTICAL TABLES, 



xlvii 



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xlviii 



STATISTICAL. TABLES. 



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MASSACHUSETTS 

LIFE INSURANCE COMPANIES 



Detailed Statement op Assets and Liabilities, with Abstract 

of Annual Statements for the Year ending 

December 31, 1895. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



BERKSHIRE LIFE INSURANCE COMPANY, PITTSFIELD. 

[Incorporated May, 1851. Commenced business Sept. 4, 1851.] 

Paid-up Capital, $25,500. 

William R. Plunkett, President. James W. Hull, Secretary. 



Income. 

Received for premiums on new policies, $205,745 00 

Received for renewal premiums, ....'.. 1,149,800 29 

Dividends applied to purchase paid-up additions and annuities, 237,764 19 

Surrender values applied to purchase paid-up 

annuities, 



Total, 

Deduct amount paid for reinsurance, 



Total premium income, 

Received for interest, 

for rents of company's property, 
for reinsurance, . . 

Premium notes on loans restored, . 

Profit on securities sold, . 



Total income, . 
Net or ledger assets Dec. 31, 1894, . 



Total, 



Disbursements 



insurance and 



Paid for losses and additions, . 

Paid for matured endowments and additions, 



Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments,. . 
Premium notes or loans voided by lapse, 
Cash dividends paid policy-holders, 



414 92 



$1,593,724 40 
20,509 22 



£1,573,215 18 

304,362 89 

19,494 64 

6,412 61 

916 75 

3,203 25 

M ,907,605 32 
6,216,838 96 



,124,444 28 



$392,524 00 
109,938 00 

$502,462 00 
6,000 00 

$496,462 00 

2,863 48 

3 64 



BERKSHIRE LIFE INSURANCE COMPANY. 



Cash dividends applied to purchase paid-up additions and 

annuities, .......... $237,764 19 

Surrender values paid in cash, ...... 282,351 34 

Surrender values applied to purchase paid-up insurance and 
annuities, .......... 414 92 



Total paid policy-holders, ....... 

Cash paid for dividends to stockholders, . 

for commissions and bonuses to agents, new poli- 
cies, $113,746.52 ; renewals, $81,974.21, . 
for salaries and allowances to managers and agents, 
for medical examiner's fees, ..... 

for salaries of officers and home office employees, 
for taxes on new premiums, $1,248.89 ; on renew- 
als, $9,706.49, .... 

for taxes on reserves, 

for taxes on real estate, . 

for fees, licenses, etc., 

for rent, ...... 

for advertising, printing and postage, 
for legal expenses, .... 

for furniture and office fixtures, 

for real estate expenses (except taxes), 

for profit and loss, .... 

for incidentals, .... 

for depreciation, .... 

Total disbursements, 

Balance, ....,., 



,019,859 57 
1,785 00 

195,720 73 
35,521 96 
16,577 50 
39,937 20 

10,955 38 

7,371 98 

4,381 41 

2,505 51 

12,974 04 

20,749 62 

3,305 08 

1,496 11 

3,955 89 

5,742 50 

12,364 20 

13,452 95 

$1,408,656 63 

$6,715,787 65 



Invested in the following: : — 



Assets as per Ledger Accounts. 

Cost of real estate, ......... $453,414 65 

Loans on mortgage of real estate (first liens), . . . 4,658,803 12 

Loans on collateral security (schedule A), . . . . 268,759 11 

Premium notes or loans on policies in force, .... 110,937 70 

Cost value of stocks and bonds owned (schedule B), . 975,652 87 

Cash in company's office, ........ 322 79 

Cash deposited in bank, ........ 229,200 04 

Bills receivable, ......... 1,250 00 

Agents' debit balances, 20,419 94 

Agents' personal loans, 2,103 37 

Total, ........... $6,720,863 59 

Deduct credit balances, ........ 5,075 94 

Total net or ledger assets, as per balance, , . . $6,715,787 65 



BERKSHIRE LIFE INSURANCE COMPANY. 



Other Assets. 

Interest due and accrued, $88,797 61 

Market value of stocks and bonds over cost, .... 27,007 63 

New Business. Renewals. 

Uncollected premiums on poli- 
cies in force, .... $28,771 64 $34,291 77 

Deferred premiums on policies 
in force, 32,459 15 105,294 69 



Total, $61,230 79 $139,586 46 

Deduct loading (20 per cent.), . 12,246 16 27,917 29 



Net amount of uncollected and 
deferred premiums, . . $48,984 63 $111,669 17 



160,653 80 



Total assets, per company's books, $6,992,246 69 



Items not admitted and Depreciation. 



Agents' debit balances, 
Loans on personal security, 
Bills receivable, .... 
Depreciation from cost of real estate, 
Total,. ..... 



$20,419 94 
2,103 37 
1,250 00 
3,055 27 



26,828 58 



Total admitted assets, $6,965,418 11 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . .$6,323,249 00 
Deduct net value of reinsured risks, 84,356 00 



Net reserve - . $6,238,893 00 

Matured endowments due and unpaid, . $1,396 00 

Death losses in process of adjustment, .. , 14,456 00 

Total policy claims, 15,852 00 

Unpaid dividends of surplus due policy-holders,. . . . 219 13 

Premiums paid in advance, . . . . . . . 6,194 83 



Liabilities as to policy-holders, , . . . $6,261,158 96 

Surplus as regards policy-holders, . . . $704,259 15 

Paid-up capital, 25,500 00 

Surplus over capital, 678,759 15 



Gross liabilities, $6,965,418 11 



BERKSHIRE LIFE INSURANCE COMPANY. 



Premium Note Account. 



Premium notes on hand Dec. 31, 1894, . 
received during 1895, 
restored by revival of policies 

Total, 

Used in payment of losses and claims, . 
Used in purchase of surrendered policies, 

Voided by lapse, 

Redeemed by maker in cash, . 

Total, 

Balance note assets Dec. 31, 1895, 



$134,133 26 

16,553 35 

916 75 

$ 18,072 98 

7,889 49 

2,863 48 

11,839 71 



$151,603 36 



40,665 66 



$110,937 70 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1894. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Number. Amount. Total No. Total Amount. 

11,868 $30,594,182 00 

2,759 6,656,525 00 

104 184,200 00 

724,322 00 

__ — 14,731 $38,159,229 00 



Whole life, 
Endowment, 



Policies issued during the Year. 



3,036 
258 



$7,566,750 00 
536,600 00 



3,294 8,103,350 00 



Old Policies revived. 



Whole life, 

Endowment, 

All other, . , . . 


140 
16 

7 


$126,533 00 

13,264 00 

14,500 00 

163 


154,297 00 
508,734 00 


Additions by dividends, . 


9 • 


t • ■ 






$46,925,610 00 



Policies terminated during the Year. 

Whole life, . . , 1,929 $4,320,670 00 

Endowment, . ... 316 624,465 00 

All other, .... 30 380,917 00 



2,275 $5,326,052 00 



BERKSHIRE LIFE INSURANCE COMPANY. 



How terminated. 







Number. 


Amount. 


Total No. 


Total Amount. 


By death, . 




138 


$373,512 00 






maturity, 




56 


109,938 00 






expiry, . 




20 


29,500 00 






surrender, . 




566 


1,337,648 00 






lapse, . 




841 


2,013,454 00 






change and deer 


ease, 


3 


4,500 00 






Not taken, . 


, 


651 


1,457,500 00 















2,275 


$5,326,052 00 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Policies in Force Dec. 31, IS 95. 
. 13,115 $33,966,795 00 



2,717 
81 



6,581,924 00 
152,700 00 
898,139 00 



15,913 $41,599,558 00 



Schedule A. 
Securities held as Collateral. 



10 shares Pittsfield Coal Gas Co., . 

12 " Pittsfield National Bank, 

27 " Boston & Albany R.R. Co., . 

27 " Boston & Albany R.R. Co., . 

16 " Stockbridge & Pittsfield R.R. Co., 

75 " Third National Bank of Pittsfield, 

7 " Pontoosuc Woolen Co., . 

122 " Massasoit Paper Co., 

40 " Third Natl Bank of Pittsfield, 

5 " New Bedford Gas Light Co., . 

5 " Springfield Gas Light Co., 

10 " Third National Bank of Pittsfield, 

5 " Merchants Nat'l Bank of Boston, 

3 " Western Nat'l Bank of New York 

10 " Springfield Gas Light Co., 

32 " Pittsfield Coal Gas Co., . 

13 " National Mahaiwe Bank, 
12 " Stockbridge & Pittsfield R.R. Co , 
12 " Pittsfield National Bank, 
20 " Millerton National Bank, 
54 " Boston & Albany R.R. Co , 

500 " Jackson, Lansing & Sag. R.R. Co. 
Life insurance policies ($20,000), . 

22 shares Pullman Palace Car Co., . 

20 shares Berkshire R.R. Co., . 
Michigan Central R.R. Co. bond, 



Market Value. 

$2,000 00 

1,836, 00 

5,562 00 

5,562 00 

2,240 00 

15,000 00 

10,500 00 

20,740 00 

8,000 00 

600 00 

700 00 

2,000 00 

775 00 

330 00 

1,400 00 

6,400 00 > 

1,950 00 

1,680 00 ' 

1,836 00 

2,000 00 

11,124 00 

40,000 00 

3,344 00 
2,800 00 
2,300 00 



Loaned Thereon. 

$700 00 
1,134 11 
2,700 00 

» 16,000 00 

2,000 00 
15,000 00 



J- 11,800 00 



3,000 00 

1,200 00 
1,800 00 
7,625 00 

35,000 00 

1,700 00 
2,100 00 
1,850 00 



8 



BERKSHIRE LIFE INSURANCE COMPANY. 



Indianapolis & St. Louis bonds, 
Rio Grande Western R.R. Co. bonds, 
Wisconsin Central R.R. Co. bonds, . 
Pittsburgh, Ft. Wayne & Chicago R'y bonds, 
Jefferson ville, Madison & Ind. R.R. bond, 

2 shares Third National Bank, Pittsfield, 
30 " Agricultural Nat'l Bank, Pittsfield, 
20 " Com 1 ! Nat'l Bank of Chicago, 111., 

4 " Agricultural National Bank, 
12 " Pittsfield National Bank, . 
10 " Third National Bank, Pittsfield, 
20 " Chicago, Bur. & Quincy R R. Co., 
Cert, deposit Third Nat'l Bank, Pittsfield, 
10 shares Agricultural Natl Bank, Pittsfield, 
10 " Pittsfield Coal Gas Co., . 
I 7 " Pittsfield National Bank, . 
Chicago, Wisconsin & Minnesota R.R bonds, . 
Union Pacific R.R. Co. bonds, . 

Clev. & Pitts. R.R. Con. & Equip, bonds, 

United States consols, 

Springfield National Bank cert, of deposit, 
St. Louis & Iron Mountain bonds, . 

20 shares Pittsfield National Bank, 
383 shares Smith Paper Co., . 
Town of Ancram, N. Y , bond, 



Schedule B. 

Slocks and Bonds owned by the 

241 shares Pittsfield National Bank, 
300 " Agricultural National Bank, 
250 " Adams National Bank, 

1,200 " Commercial Union Tel. Co., 
121 " Berkshire R.R. Co., 
185 " Stockbridge & Pittsfield R.R., . 
220 " N. Y. C. & H. R. R.R. Co., . 
200 " Chicago & Northwestern R.R., . 
100 " Lake Shore & Mich. Southern R.R, 
100 " Pullman Palace Car Co., 
114 " Northwestern Tel. Co., 
100 " Delaware & Hudson Canal Co., 
100 " Central R.R. Co. of New Jersey 

United States bonds, .... 

New York & New England R.R. bonds, . 

St. Louis & Iron Mountain R.R. bonds, . 

N. Y. Central & H. R. R.R. bonds, . 

Pittsfield Fire District bonds, . 



Market Value. Loaned Thereon. 

$8,400 00 \ 
3,500 00 i 
1,640 00 ) 
9,450 00 ) 
2,400 00 S 

400 00 
7,500 00 ) 
6,700 00 $ 
1,000 00 
1,836 00 
2,000 00 
1,542 50 I 



2,500 00 
2,000 00 ) 
1,071 00 S 

18,000 00 ] 
9,000 00 ' 
7,560 00 
3,300 00 j 

50,000 00 

67,510 00 
3,060 00 

38,300 00 
1,200 00 



10,000 00 


9,000 00 


300 00 


10,000 00 


500 00 


1,200 00 


1,500 00 


1,500 00 


650 00 


2,500 00 



27,000 00 

30,000 00 
50,000 00 

2,000 00 
18,000 00 

1,000 00 



,548 50 $268,759 11 



Company. 

Cost Value. 

$34,954 00 
60,000 00 
31,250 00 
28,450 00 
13,915 00 
21,275 00 
22,550 00 
20,959 00 
13,300 00 
15,850 00 

5,976 50 
12,600 00 

9,900 00 
128,720 25 
39,250 00 
10,000 00 
31,500 00 
52,500 00 



Market Value. 

$36,873 00 
75,000 00 
30,000 00 
30,000 00 
16,940 00 
25,900 00 
21,120 00 
19,675 00 
14,000 00 
15,200 00 
5,842 50 
12,300 00 
9,800 00 

132,000 00 
40,600 00 
10,000 00 
31,500 00 
51,500 00 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



9 



Hinsdale Fire District bonds, . 

Readsboro 1 , Vt., Fire District bonds, 

Burlington & Missouri R.R. bonds, 

Michigan Central R.R. bonds, 

Chicago & Western Indiana R.R. bonds, 

Chicago, Burlington & Quincy R.R. Co. b'ds, 

Louisiana & Missouri River R.R. bonds, 

Iowa Falls & Sioux City R.R. bonds, 

West Indianapolis bonds, 

New York & New Jersey Telephone Co. b'ds, 

Berkshire County loans, 

Dalton Fire District bonds, 

Town of Dalton bonds, . 

Pittsfield Fire District bonds, 

City of Pittsfield loan, 

Town of Cheshire loan, . 

Hinsdale Fire District bonds, 



Cost Value. 

$32,000 00 

9,000 00 
28,437 50 

9,030 00 
10,787 50 
11,075 00 
10,805 00 

9,755 00 
19,985 00 
26,078 12 
46,850 00 
30,000 00 
17,000 00 

9,000 00 
148,900 00 

3,500 00 
500 00 



Market Value. 

$32,000 00 

9,000 00 

28,750 00 

9,200 00 

11,500 00 

11,800 00 

10,800 00 

10,000 00 

20,160 00 

26,250 00 

46,050 00 

30,000 00 

17,000 00 

9,000 00 

148,900 00 

3,500 00 

500 00 



$975,652 87 $1,002,660 50 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY, 

BOSTON. 

[Incorporated April 21, 1862. Commenced business Dec. 27, 1862 ] 

Stepiien H. Rhodes, President. Roland O. Lamb, Secretary. 

Principal Office, Devonshire Street. 

Income. 

Received for premiums on new policies (regular), t . $287,901 91 

for renewal premiums (regular), .... 494,402 09 

for industrial premiums, 3,640,586 44 

Dividends applied to pay running premiums (regular), . 93,551 98 

to pay running premiums (industrial), . 117,324 91 
to purchase paid-up additions and annuities, 9,657 69 



Total, 

Deduct amount paid for reinsurance, 

Total premium income, . . . 

Received for interest, 

as discount on claims paid in advance, 
for rents of company's property, , 
for reinsurance, 

Agents' deposits, 

Incidentals, . , . . 



Total income, 
Net or ledger assets Dec. 31, 1894, 

Total, .... 



$4,643,425 02 
5,384 81 

$4,638,040 21 

266,056 29 

461 85 

92,345 47 

771 09 

5,064 27 

3,392 42 

$5,006,131 60 

6,430,078 51 

$11,436,210 11 



10 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



Disbursements. 

Paid for losses and additions,* 

Paid for matured endowments and additions, 



$1,428,920 63 
29,319 92 



Gross amount paid for losses and endowments, . . $1,458,240 55 

Paid to annuitants, 1,088 63 

Premium notes or loans voided by lapse, .... 1,561 02 

Cash dividends paid policy-holders, 1,699 35 

applied to pay running premiums (regular), 93,551 98 
applied to pay running premiums (industrial), 117,324 91 
applied to purchase paid-up. additions and an- 
nuities, 9,657 69 

Surrender values paid in cash, 138,038 24 



Total paid policy-holders, 
Cash paid for commissions and bonuses to agents, 

for salaries and allowances to managers and agents, 

for medical examiner's fees, .... 

for salaries of officers and home office employees 

for taxes on premiums, 

for taxes on reserves, 

for taxes on real estate, 

for fees, licenses, etc., 

for rent, . 

for advertising, printing and postage, 

for legal expenses, .... 

for furniture and office fixtures, 

for reahestate expenses (except taxes), 

for loss on sales of property, . 

for incidentals, . . ... 

Total disbursements, .... 



Balance, 



51,821,162 37 

1,304,100 13 

439,086 22 

110,826 03 

142,763 15 

23,092 78 

9,336 65 

9,369 60 

6,338 21 

65,140 55 

53,166 31 

15,144 59 

7,307 28 

30,573 68 

2,066 93 

23,941 20 

4,063,415 68 

7,372,794 43 



Invested in the following : — 



Assets as per Ledger Accounts 



Cost of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes on policies in force, 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office and in bank, 



11,359,143 58 

1,665,103 63 

228,000 00 

255,925 00 

71,005 73 

3,586,310 89 

193,475 81 



* Includes $1,193,612.22 industrial losses. 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



11 



Printing plant, . 

Loans on personal security, 



Total, 

Deduct agents' credit balances, 

Total net or ledger assets, as per balance, 



$3,000 00 
11,281 68 

$7,373,246 32 
451 89 

$7,372,794 43 



Other Assets. 

Interest due or accrued, 146,335 22 

Rents due and accrued, 8,061 57 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, .... 

Total, . . 

Deduct loading (20 percent), . 

Net amount of uncollected and 
deferred premiums, 



New Business. Renewals. 

$42,374 03 $34,579 62 
36,164 15 86,609 21 



,538 18 $121,188 83 
15,707 63 24,237 77 



$62,830 55 $96,951 06 



159,781 61 



Total assets, per company's books, . 



. $7,686,972 83 



Items not admitted and Depreciation. 



Loans on personal security, 
Printing plant, . 
Depreciation from cost of assets, 
Total, .... 



11,281 68 
3,000 00 
7,781 84 



Total admitted assets, 



22,063 52 
$7,664,909 31 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), 
Deduct net value of reinsured risks, 



Net reserve, . 
Death losses due and unpaid, . 
Matured endowments due and unpaid, 
Death losses in process of adjustment, 

Total policy claims, . 
Agents' deposits, .... 
Unpaid dividends of surplus due policy-holders, 
Premiums paid in advance, .... 



$2,874 50 

621 14 

13,936 00 



1,872,262 00 
14,532 00 

5,857,730 00 



17,431 64 

5,064 27 
18,263 17 
39,120 65 



12 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



Due for taxes, fees, salaries, expenses, etc., 
Cash surrender values, .... 



Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 



Gross liabilities, 



Premium Note Account 



$56,451 43 
64,747 60 

$7,058,808 76 
606,100 55 

$7,664,909 31 



Premium notes on hand Dec. 31, 1894, . . $75,379 26 

Premium notes received during 1895 (old poPs), 15,896 30 

Total, 

Used in payment of losses and claims, . . $5,360 38 

Used in purchase of surrendered policies, . 293 28 

Voided by lapse, 1.561 02 

Used in payment of dividends to policy-holders, 5,515 14 

Redeemed by maker in cash, .... 7,540 01 

Total, . . 

Balance note assets Dec. 31, 1895, 

Exhibit of Policies. 



'1,275 56 



20,269 83 
$71,005 73 



Policies and Additions in Force Dec. 31, 1894. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 4,793 $9,144,687 00 

Endowment, . . . 5,039 9,918,983 00 

All other 85 152,500 00 

Reversionary additions, . - 56,672 00 

— 9,917 $19,272,842 00 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 



Policies issued during the Year. 

. 2,308 $4,806,900 00 

. 2,497 5,369,250 00 

8 14,000 00 



4,813 10,190,150 00 



Old Policies revived. 



$19,659 00 
25,179 00 



12 



Additions by dividends, 
Total, . 



44,838 00 
19,800 00 



. 14,742 $29,527,630 00 



Policies terminated during the Year. 

Whole life, ... 918 $2,048,848 00 

Endowment, . . . 1,036 2,111,602 00 

All other, .... 22 52,283 00 



1,976 $4,212,733 00 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 13 



How terminated. 



By death, . 

maturity, 

expiry, . 

surrender, 

lapse, . 

change and decrease, 
Not taken, 



Number. 

108 

30 

17 

383 

746 

692 



Amount. 

$226,113 00 

29,812 00 

34,300 00 

693,602 00 

1,362,700 00 

251,006 00 

1,615,200 00 



Total No. Total Amount. 



1,976 $4,212,733 00 



Policies in Force Dec. 31, 1895. 



Whole life, 

Endowment, 

All other, .... 

Reversionary additions, 

Industrial policies in force, 



6,189 $11,922,398 00 

6,506 13,201,810 00 

71 118,200 00 

72,489 00 
— 12,766 $25,314,897 00 

771,972 $95,640,574 00 



Schedule A. 
Securities held as Collateral. 

Market Value. 

50 shares Middlesex Banking Company, . . $4,250 00 

Consolidated R.R. Co. of Vermont bonds, . 57,850 00 

375 shares Boston & Maine R.R., . . . 64,125 00 

300 " State Street Exchange, . . . 34,950 00 ^ 

50 " Old Colony Trust Company, . . 8,500 00 

50 " United States Hotel Company, . 9,000 00 

62 " American Bell Telephone Company, 12,245 00 J 

Cambridge, Mass., city bonds, . 11,880 00 \ 

Louisville, Ky., city bonds, .... 9,360 00 ' 

Sandusky, O., city bonds, 4,020 00 

Marion, Ind., county bonds, .... 3,120 00 / 

860 shares Chic, Burl. & Quincy R.R., , . 66,327 50 50,000 00 



Amount Loaned. 

$3,000 00 
50,000 00 
50,000 00 

j. 50,000 00 



} 25,000 00 



$285,627 50 $228,000 00 



Schedule B. 
Stocks and Bonds owned by the 

100 shares New England National Bank, 

50 

35 
100 
100 

22 
100 

25 
400 

55 



Tremont National Bank, 
Boylston National Bank, 
Continental National Bank, 
Washington National Bank, 
State National Bank, 
Boston Nat'l B'k of Seattle, Wash 
American Loan and Trust Co., 
Chicago, Burl. & Quincy R.R., 
Central Massachusetts Railroad, 



Company. 

Cost Value. 

$12,031 00 
5,590 50 
4,362 50 

10,150 00 

13,537 50 
2,531 50 

10,000 00 
2,550 00 

31,134 62 
3,208 25 



Marke Value 

$15,612 50 

4,650 00 

4,480 00 

10,675 00 

10,775 00 

2,403 50 

9,000 00 

3,662 50 

30,850 00 

3,208 25 



14 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



75 shares Boston & Maine Railroad, 
Massachusetts registered bonds, 
Massachusetts coupon bonds, . 
Washington County, 111., bonds, 
Marion County, Ind., bonds, 
Columbia County, Wash., bonds, 
Lincoln County, Neb., bonds, . 
Finney County, Kan., bonds, . 
Thurston County, Wash., bonds, 
Yellowstone County, Mont., bonds, 
Meagher County, Mont., bonds, 
Shoshone County, Idaho, bonds, 
Missoula County, Mont., bonds, 
Kootenai County, Idaho, bonds, 
Cascade County, Mont., bonds, 
La Plata County, Col., bonds, . 
Pitkin County, Col., bonds, 
Rio Grande County, Cal., bonds, 
Franklin County, Ohio, bonds, 
County of St. Louis, Minn., bonds, 
County of Union, Iowa, bonds, 
County of Ramsey, Minn , bonds, 
County of Wells, Ind., bonds, . 
County of Hennepin, Minn., bonds, 
County of Otter Tail, Minn., bonds, 
County of Wells, Ind., bonds, . 
County of Pierce, Wash., bonds, 
County of Hudson, N. J., bonds, 
County of Lucas, Ohio, bonds, . 
County of Marion, Ohio, bonds, 
County of Clark, Ind., bonds, . 
County of Rock Island, 111., bonds, 
County of Marion, Ind., bonds, 
County of Ripley, Ind., bonds, . 
County of Vigo, Ind., bonds, . 
County of Wayne, Mich., bonds, 
County of Lawrence, Ind., bonds, 
City of South St. Paul, Minn , bonds 
City of Sioux Falls, Dak , bonds, 
City of St. Paul, Minn., bonds, 
City of Decatur, 111., bonds, 
City of Yankton, Dak., bonds, . 
City of Fremont, Neb., bonds, . 
City of Jeffersonville, Ind., bonds, 
City of New Albany, Ind., bonds, 
City of Kansas City, Kan., bonds, 
City of St. Cloud, Minn., bonds, 
City of Beloit, Kan., bonds, 



Cost Value. 

88,236 12 

102,779 95 

93,270 00 

5,225 00 
42,737 50 
11,800 00 

4,195 00 
10,825 00 
10,700 00 

5,287 50 
10,600 00 
14,392 35 
10,762 50 
15,412 50 
10,600 00 

5,400 00 

5,400 00 } 

7,315 Oo' 

9,082 80 
10,000 00 
10,000 00 
10,325 00 
10,800 00 
31,800 00 
10,450 00 

8,410 00 
10,600 00 
20,600 00 
21,112 50 
12,669 60 
21,512 50 
21,075 00 
10,462 50 
10,562 50 

8,300 00 
20,000 00 
10,775 00 
16,537 50 
14,525 00 
10,375 00 
18,540 00 

8,496 25 

6,145 00 
13,585 00 

3,640 00 
12,000 00 
10,650 00 

6,337 50 



Market Value. 

$12,825 00 
101,250 00 
106,000 00 

5,125 00 
42,675 00 
11,200 00 

4,180 00 
10,675 00 
10,550 00 

5,150 00 
10,800 00 
14,580 00 
10,600 00 
15,150 00 
10,500 00 

5,500 00 

5,450 00 

7,367 50 

9,045 00 
10,300 00 
10,000 00 
10,450 00 
10,800 00 
32,100 00 
10,400 00 

8,410 00 
10,500 00 
20,600 00 
20,912 50 
12,600 00 
21,475 00 
21,025 00 
10,400 00 
10,550 00 

8,280 00 
20,550 00 
10,775 00 
16,950 00 
14,040 00 
11,500 00 
18,000 00 

8,755 00 

6,000 00 
13,000 00 

3,517 50 
12,180 00 
11,300 00 

6,120 00 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



15 



City of Nebraska City, Neb., bonds, 
City of Evansville, Ind., bonds, 
City of Chattanooga, Tenn., bonds, 
City of Fargo, Dakota, bonds, . 
City of Superior, Wis., bonds, . 
City of Columbus, Ohio, bonds, 
City of Huron, So. Dak., bonds, 
City of Middlesborough, Ky., bonds, 
Salt Lake City, Utah, bonds, . 
City of East Portland, Ore , bonds, 
City of Port Town send, Wash., bonds, 
City of Duluth, Minn , bonds, . 
City of Wichita, Kan., bonds, . 
City of Ellensburgh, Wash., bonds, 
West Bay City, Mich., bonds, . 
City of Astoria, Ore., bonds, 
City of Council Bluffs, Iowa, bonds, 
City of Walla Walla, Wash., bonds, 
City of South Omaha, Neb., bonds, 
City of Olympia, Wash., bonds, 
City of Cheyenne, Wyoming, bonds, 
City of Omaha, Neb., bonds, 
Logan City, Utah, bonds, . 
City of New Whatcom, Wash., bonds, 
City of Beatrice, Neb., bonds, . 
City of La Grande, Ore., bonds, 
City of Snohomish, Wash., bonds, 
City of Colfax, Wash , bonds, . 
City of Fairhaven, Wash., bonds, 
City of Woodland, Cal., bonds, 
City of Lakeside, Minn , bonds, 
City of Port Angeles, Wash., bonds, 
City of Denver, Col., warrants, 
City of Great Falls, Mont., bonds, 
City of Boston, Mass., bonds, . 
City of Cleveland, O., bonds, . 
City of Somerville, Mass , bonds, 
City of Lynn, Mass , registered bonds, 
City of Haverhill, Mass , bonds, 
City of Columbus, O , bonds, 
City of Toledo, O., bonds, 
City of Marietta, O , bonds, 
City of Dayton, O., bonds, 
City of Seattle, Wash., bonds, 
City of Pawtucket, R. I., bonds, 
City of Tacoma, Wash., bonds, 
City of Jersey City, N. J., bonds, 
City of Fond du Lac, Wis., bonds, 



Cost Value. 

$15,412 50 

5,000 00 
10,900 00 
16,287 50 
10,200 00 
24,710 00 
10,000 00 
12,270 00 

9,600 00 
10,925 00 
10,000 00 
26,000 00 

3,458 85 
10,000 00 

5,098 50 
10,600 00 
10,950 00 

5,350 00 

9,443 25 
10,637 50 
10,250 00 
10,675 00 

4,875 00 
10,650 00 
10,000 00 

5,190 50 

5,175 00 
10,575 00 
10,594 00 
14,536 50 

4,100 00 
10,000 00 
11,880 00 
10,675 00 
60,025 00 
10,500 00 
25,375 00 
51,000 00 
15,337 50 
35,482 00 
21,300 00 
20,212 50 
32,055 00 
10,000 00 
10,000 00 
10,100 00 
26,812 50 
21,275 00 



Market Value. 

$15,700 00 

5,000 00 

11,200 00 

16,200 00 

10,000 00 

25,280 00 

10,000 00 

12,000 00 

10,200 00 

12,250 00 

10,800 00 

26,130 00 

3,493 80 

10,300 00 

5,000 00 

10,600 00 

10,200 00 

5,262 50 

9,630 00 

10,450 00 

10,100 00 

10,631 25 

5,000 00 

10,550 00 

10,000 00 

5,200 00 

5,250 00 

10,500 00 

10,250 00 

15,000 00 

4,040 00 

10,500 00 

12,000 00 

10,400 00 

64,051 25 

10,900 00 

25,875 00 

53,613 75 

15,975 00 

35,843 75 

22,400 00 

20,360 00 

31,575 00 

10,300 00 

10,300 00 

10,150 00 

27,500 00 

21,250 00 



16 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



Cost Value. Market Value. 

City of South Bend, Ind., bonds, . . . f 23,400 00 $24,200 00 

City of Lincoln, Neb., bonds, .... 15,989 00 15,962 00 

City of Sandusky, O., bonds, .... 50,527 50 49,938 75 

City of Muscatine, la., bonds, .... 15,51250 15,41250 

City of Owosso, Mich , bonds, .... 10,750 00 10,800 00 

City of Boise City, Id., bonds, .... 10,350 00 10,325 00 

City of Patterson, N. J., bonds, . . . 11,412 50 11,900 00 

City of Woonsocket, R. I , bonds, . . . 20,000 00 21,050 00 

City of Medford, Mass., bonds, . . . 20,000 00 20,650 00 

City of Lincoln, Neb., bonds, .... 10,100 00 10,100 00 

City of Omaha, Neb , bonds, .... 21,32500 21,25000 

City of Long Island City, N. Y., bonds, . . 20,400 00 20,400 00 

Town of Spencer, Ind., bonds, .... 5,115 00 5,100 00 

Delaware Township, Kan , bonds, . . . 9,500 00 10,000 00 

Elmwood Township, 111., bonds, . . . 4,975 00 5,000 00 

Town of South Bend, Wash., bonds, . . 5,000 00 5,100 00 

Town of East Providence, R. I., bonds, . . 10,000 00 10,200 00 

Village of St. Albans, Vt., bonds, . . . 10,000 00 10,100 00 

City of Port Huron, Mich., bonds, . . . 8,321 60 8,280 00 

City of Mattoon, 111., bonds, . . . . 8,160 00 8,160 00 

City of Steubenville, O., bonds, . . . 15,000 00 15,000 00 

City of St. Paul, Minn., bonds, . . . 20,240 00 20,000 00 

City of Lima, O., bonds, . . . . . 10,627 80 10,575 00 

City of Atlantic City, N. J., bonds, . . . 16,912 50 16,950 00 

City of Pontiac, Mich., bonds, .... 10,950 00 10,950 00 

Board of Education, Emporia, Kan., bonds, . 14,700 00 14,525 00 

Wyandotte Co , Kan., School District bonds, . 3,150 00 3,060 00 

City of Seattle, Wash., bonds, .... 10,287 50 10,450 00 

City of Albina, Ore., bonds, .... 10,675 00 10,900 00 

City of Helena, Mont., bonds, .... 10,400 00 10,237 50 

Ouray County, Col., bonds, .... 5,500 00 5,000 00 

City of Moscow, Id., bonds, .... 7,717 50 7,385 00 

Arapahoe County, Col., bonds, . . . 5,162 50 5,050 00 

Bozeman-Gallatin Co., Mont., bonds, . . 4,758 75 4,691 25 

Ind. School District, Duluth, Minn., bonds, . 10,000 00 10,000 00 

Board of Education, Cleveland, O , bonds, . 10,050 00 10,200 00 

City of Springfield, Mo , School District bonds, 15,450 00 15,412 50 

Board of Education, Springfield, O., bonds, . 10,425 00 10,450 00 

Board of Educ'n, Arkansas City, Kan., bonds, 3,112 50 3,030 00 

Board of Educ'n, Kansas City, Kan., bonds, . 18,235 00 17,850 00 

City of Lansing, Mich., School District, . 26,375 00 26,375 00 

Union Sch. Dist., City of Bay City, Mich., b'ds, 10,100 00 10,050 00 

Board of Education, Columbus City, O., . 25,843 75 25,750 00 

Minneapolis Gas Light Co., Minn., bonds, . 10,500 00 10,200 00 

Saratoga Gas & Elec. Light Co., N. Y., bonds, 10,350 00 10,000 00 

Central Special Drainage District, 111., bonds, 5,162 50 5,000 00 

The Middlesex Banking Co., Conn., bonds, . 10,000 00 10,000 00 

Pt. Chester Con. Gas & Elec. L't Co., N.Y., b'ds, 4,462 50 3,750 00 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



17 



St. Paul Gas Light Company, Minn., bonds, . 
The Colorado Mining Stock Exchange bonds, 
Kansas City Electric Light Company bonds, 
United Electric Securities Company bonds, 
Land & Riv. ImprVt Co., W. Sup., Wis., bonds 
Sanitary District of Chicago, III., bonds, 
York Manufacturing Company note, 
Boott Cotton Mills, .... 
Ludlow Manufacturing Company note, 
American Bell Telephone Company, 
New England Tel. & Tel. Company, 
Sanitary District of Chicago bonds, 
Old Colony Railroad Company bonds, 
New York & New England Railroad Co. b'ds, 
Cheshire Railroad Company bonds, . 
Saginaw Valley & St. Louis R.R. Co. bonds, 
Chicago, Milwaukee & St. Paul R.R. Co bonds, 
Lowell & Lawrence Railroad Company bonds, 
Oregon Railway and Navigation Co. bonds, 
Consolidated Railroad Co. of Vermont bonds, 
Quincy, Alton & St. Louis Railway bonds, 
Leavenworth, Topeka & So. West. Ry. bonds 
Cleve., Columbus, Cin. & Ind. R.R bonds, 
Wisconsin Central Railroad bonds, . 
Atchison, Colorado & Pacific Railway bonds, 
Chicago & Eastern Illinois Railroad bonds, 
Little Rock & Fort Smith Railway bonds, 
Carolina Central Railway bonds, 
James River Valley Railroad bonds, 
St. Joseph & Grand Island Railroad bonds, 
St. Louis Cable & Western Railway bonds, 
Spokane & Palouse Railroad bonds, 
Helena & Red Mountain Railroad bonds, 
The Marietta Mineral Railway bonds, 
Chicago, Burlington & Northern R.R. bonds, 
Atchison, Topeka & Santa F6 Railroad bonds, 
Canton Street Ry. & Lake Side St. R.R. bonds, 
Des Moines Street Railroad bonds, . 
The Chicago & Atchison Bridge Co. bonds, 
Tarkio Valley Railroad bonds, 
St. Louis & Suburban Railway bonds, 
Cincinnati, Dayton & Ironton R.R. bonds, 
Kan. City & Memphis R'y & Bridge Co. bonds 
The Northern Pacitic Terminal Co. bonds, 
Minn., Lyndale & M'ka & M'n St. R'y bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Chicago & West Michigan Railway bonds, 
Great Northern Railway bonds, 



Cost Valuf. 

$9,750 00 

10,000 00 

5,985 00 

36,300 00 

9,900 00 

32,180 00 

50,000 00 

50,000 00 

25,^00 00 

10,647 50 

10,600 00 

10,018 75 

1,020 00 

20,862 50 

5,500 00 

19,680 00 

10,612 50 

1,115 00 

15,411 90 

4,180 00 

9,587 50 

2,210 00 

9,750 00 

8,787 50 

4,275 00 

22,300 00 

6,800 00 

9,975 00 

5,400 00 

10,837 50 

11,742 50 

7,400 00 

5,450 00 

9,500 00 

30,778 12 

59,180 43 

10,475 00 

10,675 00 

19,950 00 

8,860 00 

8,550 00 

19,300 00 

19,362 50 

10,700 00 

18,750 00 

71,191 25 

10,225 00 

13,725 00 



Market Value. 

$10,500 00 

1",000 00 

6,000 00 

32,500 00 

10,000 00 

32,700 00 

50,000 00 

50,000 00 

25,000 00 

10,650 00 

10,600 00 

10,000 00 

1,020 00 

22,200 00 

5,225 00 

6,400 00 

11,800 00 

1,040 00 

18,000 00 

6,764 00 

10,000 00 

300 00 

12,350 00 

9,800 00 

4,075 00 

24,400 00 

9,500 00 

6,500 00 

5,000 00 

5,000 00 

12,100 00 

7,500 00 

1,000 00 

2,500 00 

30,500 00 

60,000 00 

10,225 00 

10,300 00 

8,000 00 

8,320 00 

8,550 00 

21,400 00 

20,000 00 

9,500 00 

19,000 00 

70,431 25 

7,471 25 

13,650 00 



18 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



West End St. Railway (Rockford, 111.) bonds, 

Kansas City Elevated Railway bonds, 

Metropolitan W. S El'd R'y (Chicago) bonds 

Union Pacific Railway notes, . 

Consol. St. R'y (Grand Rapids, Mich.) bonds 

Kansas City, Ft. Scott & Memphis R.R. bonds 

Superior Rapid Transit Railway bonds, . 

Metropolitan Railway (Denver, Col.) bonds, 

Portland Consolidated Street R'y (Ore.) bonds 

Keithsburg Bridge Co. (Ill ) bonds, 

St. Paul City Railway bonds, . 

Oregon Short Line & Utah North. R'y bonds 

Mexican Northern Railway bonds, . 

Rio Grande Western Railway bonds, 

Louisville, New Albany & Chicago R'y bonds 

The Colorado Springs Rapid Transit R 1 y bonds 

Salt Lake City Railroad bonds, 

Centralia & Chester Railroad bonds, 

The Wichita Electric R'y & Light Co. bonds, 

Eitchburg Railroad bonds, 

Boston & Lowell Railroad bonds, . . 

Boston & Maine Railroad bonds, 

Eastern Railroad Company of Minn, bonds, 

Concord & Clarcmont Railroad bonds, . 

Car'ge, Watert'n & Sacketts H'bor R.R bonds 

Cambridge Railroad bonds, 

St. Johnsbury & Lake Champlain R.R. bonds 

Maine Central Railroad bonds, 

Portland & Ogdensburg Railway bonds, 

Kan. City, Mem. & Binning. R.R. Co. bonds, 

Connecticut River R R. Co. scrip, 

Boston Consolidated St. R'y bonds, . 

West End St. R'y Co. bonds, . 

Old Colony Steamboat Co. bonds, , 

N. Y., New Haven & Hart. R.R. note, 

Metro St. R'y, Kansas City, bonds, . 

Missouri, Kansas & Eastern Railway, 

Hereford, P. Q., R'y Co. bonds, 

Boston & Lowell R R. bonds, . 



Cost Value. 

$10,000 00 
10,500 00 
18,450 00 
23,731 25 

4,669 00 
19,021 25 
10,200 00 
15,300 00 
19,350 00 
10,000 00 

9,250 00 

8,625 00 
10,000 00 
15,475 00 
15,899 00 
10,100 00 
10,000 00 
18,500 00 

9,500 00 
51,436 25 
25,000 00 
45,500 00 
10,055 00 
15,262 50 
11,500 00 
13,585 00 
22,950 00 
25,000 00 

5,325 00 

3,030 25 
30,000 00 

5,325 00 
20,712 50 

8,560 00 
49,725 00 

9,700 00 

9,545 00 
15,000 00 
14,140 00 



Market Value. 

$ 10,100 00 

9,750 00 

13,900 00 

23,375 00 

4,750 00 

23,250 00 

10,000 00 

15,150 00 

18,750 00 

9,500 00 

8,900 00 

11,000 00 

9,750 00 

14,300 00 

13,400 00 

10,000 00 

10,000 00 

18,500 00 

5,000 00 

52,535 00 

25,900 00 

49,000 00 

10,300 00 

15,750 00 

11,500 00 

13,650 00 

23,600 00 

25,250 00 

5,325 00 

4,725 00 

30,150 00 

5,350 00 

20,837 50 

8,560 00 

50,000 00 

9,700 00 

8,700 00 

15,000 00 

14,140 00 



5,586,310 89 $3,578,529 05 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 19 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY OF 

SPRINGFIELD. 

[Incorporated May 1, 1851. Commenced business Aug 1, 1851.] 

John A. Hall, President. Henry M. Phillips, Secretary. 



Income. 

Received for premiums on new policies, .... 
Received for renewal premiums, .....' 
Dividends applied to pay running premiums, . 
Dividends applied to purchase paid-up additions, . 
Surrender values applied to purchase paid-up insurance, 



Total,. 

Deduct amount paid for reinsurance, 

Total premium income, .... 

Received for interest, ..... 
as discount on claims paid in advance, 
for rents of company's property, 
for reinsurance, 

Premium notes or loans restored, 

Incidentals, 



Total income, . 
Net or ledger assets Dec. 31, 1894, 



Total, 



$522,740 10 

2,483,246 31 

312,396 65 

42,104 80 

5,790 00 

53,366,277 86 
41,265 58 

^3,325,012 28 

713,575 24 

250 57 

19,135 29 

8,370 22 

5,242 36 

2,858 40 



$4,074,444 36 
14,590,262 72 

$18,664,707 08 



Disbursements. 
Paid for losses and additions, ...... 

for matured endowments and additions, . 

on matured instalment policies, .... 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 

Premium notes used in payment of dividends, 

Premium notes or loans used in purchase of surrendered 
policies and voided by lapse, 

Cash dividends paid policy-holders, .... 
applied to pay running premiums, 
applied to purchase paid-up additions, . 

Surrender values paid in cash, 

Surrender values applied to purchase paid-up insurance, 

Interest on surrender values paid policy-holders, . 

Total paid policy-holders, 



,941 59 
121,938 00 
2,550 00 

l,094,429 59 
12,150 00 

L,082,279 59 
69,193 33 

67,747 30 

19,046 27 

312,396 65 

42,104 80 

290,795 41 

5,790 00 

983 17 

[,890,336 52 



20 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 



Cash paid for commissions and bonuses to agents, new poli 
cies, $261,071.76 ; renewals, $182,061.26, . 
for salaries and allowances to managers and agents 
for medical examiner's fees, 
for salaries of officers and home office employees 
for taxes on premiums, 
for taxes on reserves, 
for taxes on real estate, 
for fees, licenses, etc., 
for rent, . 

for advertising, printing and postage, 
for legal expenses, .... 
for furniture and office fixtures, 
for real estate expenses (except taxes), 
for incidentals, .... 

for premiums on securities purchased, 

Total disbursements, . . . 



Balance, 

Invested in the following : — 

Assets as per Ledger Accounts 

Cost of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 
Cash in company's office, ...... 

Cash deposited in bank, .*..... 

Total ledger assets, as per balance, . 

Other Assets. 
Interest due and accrued, . 
Bents due and accrued, ...... 

Market value of stocks and bonds over cost, . 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, 

Total, 

Deduct loading (20 per cent.), . 

Net amount of uncollected and 
deferred premiums, 



New Business. 

$104,330 45 

94,400 16 

$198,730 61 
39,746 12 



. $443,133 02 


79,958 


41 


39,995 


50 


>, 98,437 


19 


23,026 


18 


20,048 


62 


7,068 


27 


9,366 


69 


28,661 


83 


49,872 


18 


2,580 


98 


3,735 


10 


14,827 


96 


30,838 


68 


15,294 01 


. $2,757,181 


14 



$15,907,525 94 



f503,56l 53 

5,615,171 96 

705,910 00 

977,321 00 

676,276 50 

6,811,421 06 

1,208 74 

616,655 15 



$15,907,525 94 



295,259 36 

3,077 37 

277,844 26 



Renewals. 

$121,373 83 
331,876 34 



f453,250 17 
90,650 04 



$158,984 49 $362,600 13 



Total assets, per company's books, 



521,584 62 
$17,005,291 55 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 



21 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), 
Deduct net value of reinsured risks, 



Net reserve, 

Death losses and matured endowments in proc 

ess of adjustment, 

Claims resisted by the company, 

Due and unpaid on instalment policies, . 

Total policy claims, .... 
Unpaid dividends of surplus due policy-holder 
Premiums paid in advance, 

Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 



Gross liabilities, 



$15,740,573 00 
203,962 00 

$15,536,611 00 



,555 76 

3,000 00 
19,264 78 



s, 



Premium Note Account 



82,820 54 

112,077 00 

6,643 94 

$15,738,152 48 
. 1,267,139 07 

$17,005,291 55 



Premium notes on hand Dec. 31, 1894, 
Premium notes received during 1895 (new 

policies, $3,816; old policies, $189,469.12), 
Premium notes restored by revival of policies 

Total, 

Used in payment of losses and claims, . 
Used in purchase of surrendered policies and 

voided by lapse, 

Used in payment of dividends to policy-holders 
Redeemed by maker in cash, . 

Total, 



$650,494 03 

193,285 12 
5,242 36 

$21,237 37 

67,747 30 
66,369 96 
17,390 38 



$849,021 51 



Balance note assets Dec. 31, 1895, 

Exhibit of Policies. 
Policies and Additions in Force Dec, 31, 1894. 



172,745 01 
$676,276 50 



Whole life, 
Endowment, 
All other, 
Reversionary additions, 



No. Amount. Total No. Total Amount. 

29,427 $77,990,528 00 

4,468 10,385,228 00 

499 1,229,549 00 

271,975 00 

34,394 f 89,877,280 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

. 7,866 $19,228,250 00 
640 1,305,250 00 
134 427,500 00 



8,640 20,961,000 00 



22 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 



Whole life, 
Endowment, 



Old Policies revived. 



No. 


Amount. Total No. 


Total Amount. 


43 


$150,250 00 




4 


7,075 00 






47 


$157,325 00 



Whole life, 
Endowment, 
All other, 

Additions by dividends, 

Total, 



Old Policies increased. 

$102,044 00 
7,560 00 
2,500 00 



112,104 00 
91,773 00 



43,081 $111,199,482 00 



Policies terminated during the Year. 



Whole life, 


. 4,607 


$12,559,040 00 


Endowment, 


437 


1,167,833 00 


All other, . 


134 


400,948 00 




5,178 


$14,127,821 00 




How terminated. 


By death, . 


347 


$949,070 00 


maturity, 


70 


121,611 00 


expiry, 


40 


77,500 00 


surrender, 


. 1,105 


2,940,727 00 


lapse, . 


. 1,817 


3,804,400 00 


change and c 


ecrease, . 


1,331,663 00 


Not taken, . 


. 1,799 


4,902,850 00 
5,178 14,127,821 



Whole life, 
Endowment, 
All other, 
Reversionary additions, 



Policies in Force Dec. 31, 1895. 
. 32,729 $84,901,032 00 



4,673 
501 



10,533,280 00 

1,294,779 00 

342,570 00 



37,903 $97,071,661 00 



Schedule A. 

Securities held as Collateral. 

Market Value. 



P. C. Cheney Co. stock, .... 

East Tilton Pulp Co. stock, 

Excelsior Paper Co. stock, 

People's Savings Bank certificate, . 

L. L. Brown Paper Co., Adams, Mass., stock, 



Loaned Thereon. 



$18,000 00 >| 
500 00 



500 00 i 
2,000 00 J 
11,250 00 



} $17,900 00 



10,000 00 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 



23 



Springfield Fire & Marine Insurance Co. stock, 

Wason Manufacturing Co. stock, 

Agawam National Bank stock, . 

Chicago & Alton R.R. Co. stock, 

Boston & Mon. Con Cop. & Sil. Min. Co. stock 

Pullman Palace Car Co. stock, . 

New Hampshire Fire Insurance Co. stock, 

People's Gas Light Co. stock, . 

Guaranty Savings Bank, . 

Nonotuck Paper Co. stock, 

Iowa National Bank, Des Moines, Ta., stock, 

Connecticut River Paper Co. bonds, 

Union National Bank, Chicago, 111., stock, 

Chapman Valve Co. stock, 

Metallic Drawing Roll Co. stock, 

Philadelphia, Read. & New. Eng. R R. bonds, 

Boies State Savings Bank stock, 

United Electric Light Co. stock, 

Connecticut River Paper Co. stock, . 

Owasco River R.R. Co. stock, . 

Manchester Gas Light Co. stock, 

Amoskeag National Bank stock, 

New Hampshire Fire Insurance Co stock, 

Hoosac Tunnel & Wilmington Ry. Co. bonds, 

Third Nat'l Bank, Springfield, Mass., stock, 

Springfield Safe Deposit & Trust Co. stock, 

Nat'l B'k of Commonwealth, Boston, stock, 

Merchants' Natl B'k, Topeka, Kan., stock, 

Springfield Steam Power Co. bonds, 

Connecticut River R.R. Co. stock, 

Springfield Fire & Marine Ins. Co. stock 

Phelps Publishing Co. stock, . 

Metallic Drawing Roll Co stock, 

Barre Water Co. stock, 

Revere Water Co. stock, . 

Holyoke Water Power Co. stock, 

Exeter Manufacturing Co. bonds, 

New York, New Haven & Hart. R.R. Co. stock 

New York, New Haven & Hart. R.R. Co. debs. 

Keokuck & Western Ry. Co. notes, 

Des Moines & Kansas City Ry. Co. bonds, 

Springfield Fire and Marine Ins. Co. stock, 

Third National Bank, Springfield, Mass., stock 

Springfield Street Railway Co. stock, 

Holyoke Street Railway Co. stock, . 

Orange Judd Co., New York, stock, 



Market Value. 

$31,400 00 

15,625 00 

7,800 00 

3,322 00- 

3,350 00 

1,092 00. 

25,550 00 

19,200 00 

13,500 00 

30,000 00 

3,800 00 

82,500 00 

11,200 00 

13,230 00 

10,000 00 

5,850 00 

6,000 00 

5,500 00 

15,000 00 

28,700 00 

6,700 00 

2,400 00 

2 ; 625 00 

110,000 00 

2,100 00 

3,250 00 

3,450 00 

3,000 00 

22,000 00 

49,500 00 

20,000 00 

8,750 00 

7,000 00 

24,800 00 

60,700 00 

61,875 00 

114,000 00 

9,050 00 

2,700 00 

63,110 00 

64,000 00 

4,000 00 

2,100 00 

7,525 00 

4,000 00 

3,200 00 



Loaned Thereon. 

$23,000 00 
I 16,300 00 

I 5,000 00 

i 40,000 00 

15,000 00 

3,300 00 

75,000 00 

10,000 00 

( 20,000 00 

4,000 00 

I 13,000 00 

25,000 00 

> 10,000 00 

91,500 00 
1,800 00 

I 6,000 00 

2,000 00 
20,000 00 

I 18,000 00 
I 7,000 00 

I 40,000 00 

50,000 00 
95,000 00 

I 9,000 00 
I 63,110 00 

[ 15,000 00 
I 

j 



,026,701 00 $705,910 00 



24 MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 



Schedule B. 

Stocks and Bonds owned by the Company. 

Book Value. Market Value. 

Burlington & Missouri River R.R. bonds, . $890 00 $990 00 

Bangor & Aroostook R.R bonds, . . . 90,000 00 100,000 00 

Chic, and Northwestern sinking fund bonds,. 100,000 00 111,000 00 

Chicago, Burlington & Quincy Railroad, . 110,300 00 111,785 00 

Chicago, Burlington & Northern Railroad, . 135,135 00 140,140 00 

Chicago Junction & Union Stock Yards bonds, 77,750 00 85,320 00 

Cedar Rapids, Iowa Falls & Northwest bonds, 50,000 00 49,000 00 

East Tennessee, Virginia & Georgia bonds, . 49,062 50 52.500 00 

Grand Rapids, Lansing & Detroit bonds, . 100,000 00 61,670 00 

Great Northern Railroad bonds, . . . 45,375 00 46,000 00 

Helena & Red Mountain Railroad bonds, . 40,000 00 10,000 00 

Iowa Central Railroad bonds, .... 63,350 43 55,200 00 

Kansas City, Memphis & Birmingham bonds, 27,500 00 12,075 00 

Louisville & Nashville R.R. bonds, . . . 34,187 50 32,950 00 

Maine Central Railroad bonds, . . . 49,875 00 52,500 00 

Mahoning Coal Company bonds, . . . 45,097 24 59,000 00 

Nashville, Chattanooga & St. Louis bonds, . 50,000 00 55,000 00 

Northern Pacific Railroad bonds, . . . 8,500 00 8,500 00 

Oregon Improvement Company bonds, . . 51,737 00 29,750 00 

Pittsburg, Painesville & Fairport bonds, . 47,500 00 49,000 00 

Peoria & Eastern Railroad bonds, . . . 84,769 72 66,750 00 

Rio Grande & Western Railroad bonds, . . 17,125 00 19,000 00 

St Paul, Minneapolis & Manitoba bonds, . 42,874 75 42,500 00 

St. Louis, Council Bluffs & Omaha bonds, . 25,000 00 26,125 00 

Texas & Pacific Railroad bonds, . . . 91,987 50 81,000 00 

Vei digris Valley, Independence & West'n R.R., 40,000 00 32,000 00 

Virginia Midland Railroad bonds, . . . 85,350 00 101,000 00 

Woonsocket & Pascoag Railroad bonds, . . 37,000 00 40,700 00 

Wisconsin Central Railroad bonds, . . . 45,375 00 20,500 00 

Washington, Ohio & Western Railroad bonds, 44,830 00 46,750 00 

Western North Carolina Railroad bonds, . 64,000 00 74,240 00 

W'abash Railroad bonds, . . . . . 185,054 81 199,840 00 

Massachusetts Armory loan, .... 100,000 00 100,000 00 

Tennessee State bonds, 75,866 25 90,000 00 

Alabama State bonds, 24,000 00 26,040 00 

Chautauqua County, Kan., bonds, . . . 37,620 00 42,940 00 

Cowley County, Kan., bonds, .... 50,000 00 56,500 00 

Clay County, Kan., bonds, .... 48,000 00 54,500 00 

Henry County, O., bonds, .... 30,000 00 32,100 00 

Jay County, Ind., bonds, ..... 80,000 00 84,200 00 

Leavenworth County, Kan , bonds, . . . 34,401 59 38,901 59 

Lancaster County, Neb., bonds, . . . 69,970 00 70,000 00 

Perry County, 111., bonds, 12,000 00 6,000 00 

Saline County, 111., bonds, .... 3<),000 00 30,0(000 

Saline County, Kan., bonds, .... 58,000 00 65,510 00 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 25 



White County, 111., bonds, 

Wayne County, Mich., bonds, 

Burlingame, Kan., bonds, . 

Clinton, la., bonds, . 

Columbus, O., bonds, 

Fairhaven, Wash., bonds, . 

Lexington, Ky., bonds, 

Marshal ltown, Iowa, bonds, 

Moorehead, Minn., bonds, 

Nashville, Tenn., bonds, . 

Norfolk, Neb., bonds, 

Norfolk, Va., bonds, 

Paris, Texas, bonds, . 

Pleasant Corner, Iowa, bonds, 

Seattle, Wash., bonds, 

Toledo, Ohio, bonds, 

Kewanee, 111 , town bonds, 

Douglas, 111., town bonds, 

Oswego, Kan., town bonds, 

Springfield Masonic Hall bonds, 

Freeman Manufacturing Co. bonds, 

Brooklyn Wharf and Warehouse Co. bonds, 

Springiield, Mass , Street Railway Co. bonds, 

Kansas City, Missouri, warrants, 

Wallingford, Conn , Gas Light Co. bonds, 

Council Bluffs, la., City Water W'ks Co. bonds, 

City of Fairfield, Iowa, Water W*ks Co. bonds, 

Hornellsville, N. Y., Water Co. bonds, . 

City Water Works Co. of Omaha, Neb., bonds, 

Leavenworth City and Ft. Leavenworth, Kan., 

Water Co., 

Knoxville, Tenn , Water Co., . 
Chippewa Falls, Wis., Water Works Co., 
Crookston, Minn., Water Works, Power and 

Light Co , . 
Thompsonville, Conn., Water Co., . 
Keokuk & Western Ry. Co. notes, . 
Maine Central R.R. Co. note, . 
Springfield, Mass., Street Ry. Co. note, . 
Hampden Loan & Trust Co., Springfield, Mass 
First National Bank, Chelsea, stock, 
Globe National Bank, Boston, stock, 
Albany & Susquehanna R.R. stock, . 
Boston & Albany R.R. stock, . 

Boston & Maine R.R. stock, 
Buffalo, Rochester & Pittsburg R.R. stock, 
Connecticut River RR stock, . 
Chicago & Northwestern R.R stock, 



Book Value. 

$100,000 00 

250,000 00 

4,000 00 

20,000 00 

49,000 00 

50,000 00 

49,250 00 

29,000 00 

10,000 00 

100,000 00 

16,000 00 

100,000 00 

50,000 00 

10,000 00 

98,500 00 

76,000 00 

18,500 00 

32,000 00 

28,500 00 

70,000 00 

30,000 0'J 

400,000 00 

200,000 00 

23,106 73 

19,500 00 

30,000 00 

17,575 00 

24,375 00 

75,000 00 

50,000 00 
34,500 00. 
34,868 15 

45,000 00 
25,000 00 

405,333 00 

100,000 00 
70,000 00 
30,000 00 
31,980 00 
5,287 50 
76,362 50 
75,021 86 

487,157 50 
27,500 00 

125,205 00 
32,975 00 



Market Value. 

1107,500 00 

262,500 00 

4,460 00 

20,650 00 

53,410 00 

55,375 00 

57,375 00 

29,942 50 

11,100 00 

108,250 00 

17,880 00 

116,750 00 

54,000 00 

10,350 00 

111,000 00 

77,737 50 

19,610 00 

33,840 00 

30,000 00 

70,000 00 

30,000 00 

410,000 00 

210,000 00 

23,106 73 

21,200 00 

32,400 00 

20,140 00 

26,250 00 

80,625 00 

55,500 00 
38,850 00 
41,625 00 

50,287 50 

26,250 00 

405,333 00 

100,000 00 

70,000 00 

37,500 00 

26,076 00 

4,287 50 

105,000 00 

129,375 00 

555,066 00 

26,000 00 

125,730 00 

30,000 00 



26 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



Chicago, Burlington & Quiney R.R. stock, 
Chicago Junction & Union Stock Yards stock, 
Detroit, Hillsdale & Southwestern R.R stock, 
Iowa Central R.R stock, . ... 
New York, New Haven & Hartford R.R. stock, 
New York, Chicago & St. Louis R.R. stock, 
Pennsylvania R R. stock, .... 
Portland, Saco & Portsmouth R.R. stock, 
Silverton Water Supply Co. stock, . 
Leadville Power, Water & Mining Co. stock, 
Agawam Manufacturing Co. stock, . 
Leadville Water Co. stock, 



Book Value. 

$77,704 33 
95,500 00 
22,633 00 

173,134 25 

106,800 00 

54,325 00 

369 00 

26,844 95 

22,229 00 

3,500 00 

2,400 00 



Market Value. 

$49,742 00 

100,000 00 

28,800 00 

2,500 00 

181,000 00 

108,750 00 

52,500 00 

435 00 

28,000 00 

25,000 00 

3,500 00 

7,200 00 



1,811,421 06 $7,089,265 32 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY, BOSTON. 

[Incorporated April 1, 1835. Commenced business Dec. 1, 1843.] 

Benj. F. Stevens, President. S. F. Trull, Secretary. 

Principal Office, Post Office Square. 

Income. 

Received for premium on new policies, . . . . . $ 295,225 01 

Received for renewal premiums, ...... 2,234,753 40 

Distributions applied to pay running premiums, . . 472,593 18 
Distributions applied to purchase paid-up additions and an- 
nuities, 18,079 15 

Surrender values applied to purchase paid-up insurance, . 45,014 74 

Total premium income, $3,065,665 48 

Received for interest, 968,999 14 

as discount on claims paid in advance, . . . 994 06 

for rents of company's property, .... 79,226 21 

Premium notes or loans restored, 2,690 80 

Profit and loss account, 5,697 73 

Total income, $4,123,273 42 

Net or ledger assets Dec. 31, 1894, 23,154,607 21 

Total, . . . . . . . . . . $27,277,880 63 



Disbursements. 

Paid for losses and additions, 

Paid for matured endowments and additions, . 

Gross amount paid for losses and endowments, 



. $1,363,210 00 
300,206 00 



. $1,663,416 00 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



27 



Premium notes or loans voided by lapse, 
Distributions paid policy-holders, .... 

applied to pay running premiums, . 

applied to purchase paid-up additions, 

Surrender values paid, 

Surrender values applied to purchase paid-up insurance, 



Total paid policy-holders, .... 

Cash paid for commissions and bonuses to agents, new 
policies, $132,009 29 ; renewals, $106,467.84, 
for salaries and allowances to managers and 
agents, ....... 

for medical examiner's fees and inspections, 
for salaries of officers and home office employees 
for taxes on premiums, 
for taxes on reserves, . 
for taxes on real estate, 
for fees, licenses, etc., . 

for rent, 

for commuting commissions, 

for advertising, printing and postage, 

for legal expenses, 

for furniture and office fixtures, , 

for real estate expenses (except taxes), 

for incidentals, 

for accrued interest on securities purchased, 

Total disbursements, 



Balance, 



$43,235 59 
34,469 09 

472,593 18 
18,079 15 

388,304 95 
45,014 74 

$2,665,112 70 

238,477 13 

27,579 74 
19,772 00 
117,699 78 
25,217 00 
23,690 76 
20,885 35 

7,695 10 
21,287 23 

7,339 10 
50,788 50 

3,475 93 
10,082 60 
50,303 75 
44,146 31 

2,319 00 

. $3,335,871 98 
$23,942,008 65 



Invested in the following; : — 

Assets as per Ledger Accounts 

Cost of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in bank, 



Total ledger assets, as per balance, . 



$1,877,006 73 

5,351,067 75 

1,702,273 85 

423,128 58 

693,541 09 

13,433,381 72 

461,608 93 

$23,942,008 65 



Other Assets. 

Interest due and accrued, . . 

Rents accrued, 

Market value of stocks and bonds over cost, . 



247,432 53 

12,934 58 

763,208 65 



28 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, 

Total, 

Deduct loading (20 per cent.), . 

Net amount of uncollected and 
deferred premiums, 



New Business. Kenewals. 

$42,442 02 $199,060 97 
88,967 00 84,529 01 



$131,409 02 $283,589 98 
26,281 80 56,717 99 



$105,127 22 $226,871 99 $331,999 21 



Total assets, per company's books, . 



$25,297,583 62 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), 
Death losses due and unpaid, .... $86,178 98 
Matured endowments due and unpaid, . . 20,009 00 

Total policy claims, 

Unpaid distributions of surplus due policy-holders, 

Liabilities as to policy-holders, 

Surplus as regards policy-holders, 



$22,916,493 00 



Gross liabilities, 



106,187 98 

127,163 64 

,149,844 62 

. 2,147,739 00 

$25,297,583 62 



Balance note assets Dec. 31, 1895, 



Premium Note Account. 

Premium notes on hand Dec. 31, 1894, 
Premium notes received during 1895 (new poll 

cies, $51,707.22 ; old policies, $609,287.47), 
Premium notes restored by revival of policies 

Total, ' . . 

Used in payment of losses and claims, 
Used in purchase of surrendered policies, 

Voided by lapse, 

Used in payment of distributions to policy 

holders, 

Redeemed by maker in cash, . 

Total, 



,180 94 



660,994 69 
2,690 80 

$31,159 39 
14,079 02 
43,235 59 

6,461 40 
744,389 94 



$1,532,866 43 



839,325 34 
$693,541 09 



Exhibit of Policies. 

Policies and Additions in Force Dec. 31, 1894. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 8,424 $24,595,435 00 

Endowment, . . . 24,144 68,115,769 00 

All other, .... 431 1,157,183 00 

32,999 $93,868,387 00 

Endowment policies issued during the year, . . 4,657 12,727,460 00 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



29 



Old Policies revived. 



Whole life, 
Endowment, 


Number. Amount. Total No. 

12 $20,874 00 

13 39,000 00 

0f 5 


Total Amount. 

$59,874 00 




Old Policies increased. 


Whole life, 
Endowment, 


6 $6,801 00 
1 166,677 00 


173,478 00 

37,374 00 


Additions by dividends, 




37,688 $106,866,573 00 




Policies terminated during the Tear. 




Whole life, 
Endowment, 
All other, . 


326 $1,045,639 00 

. 2,334 7,059,876 00 

59 164,002 00 






2,719 $8,269,517 00 






How terminated. 




By death, . 

maturity, 

expiry, . 

surrender, . 

lapse, . 

change and dec 
Not taken, . 


459 $1,399,129 00 

. . 122 305,507 00 

54 141,250 00 

880 2,219,722 00 

742 1,820,652 00 

rease, . 7 1,082,257 00 

455 1,301,000 00 

o 710 


8,269,517 00 








Policies in Force Dec. 31, 1895. 




Whole life, 
Endowment, 
All other, . 


, 8,116 $23,586,594 00 

. 26,481 74,017,266 00 

372 993,196 00 

qi Ofif) «oq Kfi7 rise nn 






VJKJ,<JU 1 ,VW \J\J 




Schedule A. 




Huntington Avenu 
Chicago, Burlingtc 
Rio Grande Weste] 
Mexican Central B 
Oregon Improvem 
Pullman's Palace ( 
Atchison, Topeka < 
Swift & Co. bonds, 


Securities held as Collateral. 

Market Value. 

e lands stock, . . . $7,500 00 
n & Quincy stock, . . 1,931 25 
rnR.R. bonds, . . . 7,700 00 " 
,.R. bonds, . . . . 4,225 00 
ent Co. bonds, . . . 5,175 00 
Zar Co. stock, . . . 15,500 00 J 
& Santa Fe bonds, , . . 1,430 00 \ 
1,000 00 < 


Loaned Thereon. 

$790 57 
1,600 00 

- 15,000 00 
1,600 00 



30 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



Third National Bank of Boston stock, 
Boston National Bank of Seattle stock, . 
Hingham Water Co. stock, . 
Huntington Avenue lands stock, 
Westminster Bank of Providence stock, . 
N. E. Safe Dep & Trust Co. of Missouri stock, 
Chicago, Burlington & Quincy stock, 
Mexican Telegraph Co stock, . 
Metropolitan Street Railway Co. stock, . 
Western Gas Co. stock, .... 
Western Gas Co. bonds, .... 
Connecticut River R.R. stock, . 
Kansas City Stock Yards Co. stock, . 
Boston Northwest Real Estate Co. stock, 
Atchison, Topeka & Santa Fe bonds, 
Rutland R.R Co. bonds, .... 
Chicago, Burlington & Northern bonds, . 
Duluth & Iron Range bonds, . 
Evansville, Terre Haute & Chicago bonds, 
Milwaukee, Lake Shore & Western bonds, 
Westchester Water Works bonds, . 
Evansville, Terre Haute & Chicago bonds, 
Pull man's Palace Car Co. stock, 
Natl Bank of Commerce, New Bedford, stock, 
Merchants' Nat'l Bank, New Bedford, stock, . 
Atlas National Bank, Boston, stock, . 
Manufacturers 1 Nat'l Bank, Boston, stock, 
National Revere Bank, Boston, stock, 
Columbian National Bank, Boston, stock, 
Nat'l Bank of North America, Boston, stock, 
Nat'l Hide and Leather Bank, Boston, stock, 
First National Bank, Boston, stock, . 
Boylston National Bank, Boston, stock, 
Continental National Bank, Boston, stock 
Market National Bank, Boston, stock, 
Globe National Bank, Boston, stock, 
Boston Wharf Co., Boston, stock, 
Amoskeag Manufacturing Co. stock, 
Cocheco Manufacturing Co. stock, . 
Mexican Telegraph Co. stock, . 
Kansas City Stock Yards Co. stock, . 
Central & So. Amer. Teleg. Co. 5 % certs 
Illinois Steel Co. bonds, . 
Metropolitan Street Ry. Co. stock, . 
Street Ry. and Illuminating Properties stock, 
Chicago & West Michigan stock, 
Central & So. American Telegraph Co. stock, 
Galveston, Harrisburg & San Antonio bonds, 
Lake Erie & Western stock, 
Union Pacific stock, ..... 



Market Value. 
$8,010 00 

4,500 00 

2,500 00 

10,500 00 

5,600 00 

6,250 00 

92,700 00 

23,200 00 

34,500 00 

61,250 00 

81,375 00 

250,000 00 

65,000 00 

43,250 00 

2,137 50 ^ 

1,000 00 

1,980 00 

1,020 00 

1,020 00 

1,115 00 I 

1,000 00 I 

2,850 00 J 

7,595 001 

400 00 
1,435 00 
615 00 
1,000 00 
724 00 
490 00 J. 
505 00 ' 
1,062 50 
1,924 00 
8,192 00 
640 50 
160 00 
30,870 00 
63,125 00 
29,750 00^ 
9,990 00 
40,800 00 
21,710 00 
10,375 00 
31,500 00 J 
27,600 00 ? 
30,000 00 S 
3,375 00 ^ 
5,00 J 00 | 
3,000' 00 \ 
6,550 00 I 
23,000 00 J 



Loaned Thereon. 

$13,000 00 

9,146 17 
5,000 00 
4,500 00 

100,000 00 

30,000 00 

48,101 56 

200,000 00 
50,000 00 
25,000 00 



> 10,000 00 



5,935 55 



27,000 00 
50,000 00 



} 100,000 00 



45,000 00 



37,000 00 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 31 



Fourth National Bank, Boston, stock, 

Atchison, Topeka & Santa Fe bonds, 

First National Bank, Dubuque, stock, 

Fitchburg Gas Co. stock, . 

Chicago & Eastern Illinois stock, . 

Arlington Mills stock, 

Atchison, Topeka & Santa Fe bonds, 

N. E. Safe Dep. & Trust Co. of Missouri stock 

Pennichuck Water Works stock, 

New Hampshire Banking Co. stock, 

Nashua Trust Co. stock, . 

Pennichuck Water Works stock, 

Louisville, Evansville & St. Louis bonds, 

New York & New England bonds, . 

Burlington & Mo. River R R. Co. in Neb. bonds 

Norwich & Worcester stock, . 

Rensselaer & Saratoga stock, . 

Great Falls Manufacturing Co. stock, 

American Bell Telephone Co. stock, 

Lincoln, Neb., bonds, 

Portland, Ore., bonds, 

Mendon, Vt., bonds, .... 

Los Angeles bonds, .... 

West End Street Railway Company stock 

First National Bank, Dubuque, stock, 

Chicago, Burlington & Northern bonds 

New England Trust Company stock, 

Bay State Trust Company stock, 

Old Colony Trust Company stock, . 

Chicago, St. Paul, Minn. & Omaha stock, 

Merchant's National Bank, Indianapolis, stock 

St. Louis County, Missouri, bonds, . 

Kansas City bonds, . . . . . 

Chicago bonds, 

Fremont, Elkhorn & Missouri Valley bonds, 
Chicago, Burlington & Quincy bonds, 
N. Y. Central & Hudson River bonds, 
West End Street Railway Company bonds, 
Dominion Coal Company bonds, 
City of Cambridge, Mass., bonds, . 
American Bell Telephone Company stock, 
Atchison, Topeka & Santa Fe bonds, 
Chicago, Burlington & Northern bonds, . 
Maine Central bonds, .... 
New England Telegraph & Tel Co. bonds, 
Louisville, New Albany & Chicago bonds, 
New York, New Haven & Hartford stock, 



Market Value. 

156,040 00 
30,030 00 
1,500 00 
7,500 00 
15,000 00 
34,700 00 ) 
9,295 00 S 
2,500 00 
2,880 00 n 
2,300 00 i 
1,000 00 ) 
4,000 00 
108,000 OO'j 
60,000 00 | 
19.200 00 |> 
59,400 00 | 
45,000 00 J 
7,650 00 
65,650 00 
8,537 00 >| 



Loaned Thereon. 

$45,000 00 

25,000 00 

1,000 00 

5,000 00 

6,500 00 

25,000 00 
2,000 00 

5,000 00 

2,500 00 

250,000 00 



2,500 00 
50,000 00 



35,680 00 \ 



3,022 00 

14,677 50 J 

66,000 00 

750 00 

990 00 

14,100 00 >| 

3,125 00 



} 50,000 00 



4,625 00 i 
3,500 00 J 
6,750 00 
31,640 00 n 
10,660 00 S 
81,449 00 ) 
1,292 50 ^ 
1,175 00 I 
1,050 00 I 
1,040 00 J 
995 00 J 
53,500 00 
62,620 00 
32,175 00 
24,750 00") 
51,000 00 I 
26,500 00 j> 
30,000 00 I 
54,000 00 J 



50,000 00 
500 00 
600 00 



)> 20,000 00 



4,000 00 
100,000 00 

4,000 00 



50,000 00 
50,000 00 
25,000 00 



150,000 00 



},263,854 75 $1,702,273 85 



32 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



72 shar 


100 


u 


333 


tt 


100 


l< 


50 


(C 


52 


it 


91 


it 


107 


tt 


150 


K 


140 


« 


240 


tt 


320 


it 


134 


« 


120 


(( 


1,400 


(C 


500 


11 


400 


(1 


250 


(( 


150 


tt 


625 


u 


200 


(( 


400 


tt 


243 


tt 


250 


(( 


70 


({ 


100 


(( 


1,063 


(( 


300 


(4 


1,378 


It 


800 


(( 


900 


tc 


281 


tt 


850 


tt 


100 


tt 


300 


it 


157 


tt 


200 


it 


200 


ti 


1,120 


tt 


500 


tt 


5 


tt 


50 


tt 


120 


tt 


490£ 


tt 


1,000 


tt 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

es Atlantic National Bank, . . $7,101 00 $8,640 00 

Bay State N'l Bank, Lawrence, . 7,500 00 12,000 00 

Boston National Bank, . . 33,300 00 33,300 00 

Continental National Bank, . . 10,000 00 10,675 00 

First National Bank, Cambridge, 7,500 00 8,750 00 

Massachusetts National Bank, . 5,200 00 4,433 00 

Merchants National Bank, . . 13,650 00 13,900 00 

National City Bank, Lynn, . . 16,050 00 19,260 00 

National Revere Bank,. . . 15,000 00 13,575 00 

National Hide and Leather Bank, 14,000 00 14,875 00 

National Eagle Bank, . . . 24,000 00 19,860 00 

Tremont National Bank, . . 31,95125 29,760 00 

National Webster Bank, . . 13,400 00 13,802 00 

State National Bank, . . . 10,273 10 13,110 00 

Third National Bank, . . . 140,000 00 124,600 00 

Globe National Bank, . . . 50,000 00 42,875 00 

Nicollet Nat'l Bank, Minneapolis, 40,000 00 44,000 00 

Boston National Bank, Seattle, . 25,000 00 22,500 00 

Winthrop National Bank, . . 15,000 00 19,650 00 

Boston Safe Deposit & Trust Co , 93,750 00 125,000 00 

American Loan & Trust Co., , 20,000 00 29,300 00 

N. E. Safe Dep. & T't Co. of Mo , 38,149 77 50,000 00 

N. E. Safe Deposit & Trust Co., . 24,300 00 24,300 00 

Mercantile Loan & Trust Co. . 25,000 00 25,000 00 

State Street Safe Dep. & T't Co., 7,000 00 7,140 00 

Mattapan Deposit & Trust Co., . 10,000 00 10,500 00 

Boston & Albany R.R., . . 159,450 00 220,041 00 

Boston & Providence R.R., . . 45,000 00 79,200 00 

Chic, Burlington & Quincy R.R., 137,732 77 106,450 50 

Conn, & Passumpsic Rivers R.R., 80,000 00 113,600 00 

Fitchburg R.R., .... 82,225 75 82,800 00 

N. Y., New Haven & Hartfd R.R., 39,350 00 50,580 00 

Norwich & Worcester R.R., . 127,500 00 168,300 00 

Northern R.R , . . . . 10,000 00 15,550 00 

Chicago & Alton R R., . . 30,000 00 48,000 00 

Eastern in New Hampshire R.R , 11,775 00 14,130 00 

Portland, Saco & Portsmouth R.R., 20,000 00 29,000 00 

Boston & Lowell R.R., . . 30,000 00 40,600 00 

Metrop'n Street R'y, Kansas City, 109,500 00 77,280 00 

West End Street R'y, . . . 37,500 00 45,000 00 

D wight Manufacturing Co., . 5,000 00 4,675 00 

Massachusetts Cotton Mills, . 5,000 00 4,775 00 

Mass. Title Insurance Co., . . 12,000 00 6,000 00 

Land Title Guar. Co., Kan. City, . 4,851 40 12,262 50 

Boston Northwest Real Estate Co., 77,500 00 77,500 00 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



33 



50 shares Boston Ground Rent Trust, . 
125 " Denver Consolidated Gas Co , 
160 " Mass. Firepr'f St. and Ware. Co., 
United States bonds, .... 

Chicago, Burlington & Quincy bonds, 

Eastern R.R bonds, 

Phil., Wilmington & Baltimore RR. bonds, 
New Haven & Derby R.R. bonds, . 
Chicago & Eastern Illinois R.R. bonds, . 
Fremont, Elkhorn & Mo. Valley R.R. bonds, 

Maine Central, 

Ottumwa, Cedar Falls & St. Paul R.R. bonds 

Dayton & Michigan R.R. bonds, 

Delaware & Chesapeake R.R. bonds, 

Pittsburgh, Cleveland & Toledo R R. bonds, 

Chicago, Milwaukee & St. Paul R.R. bonds, 

Michigan Central R.R. bonds, . 

Northern Illinois R.R. bonds, . 

Chicago & Northwestern R.R. bonds, 

Kan. City, Clinton & Springfield RR. bonds, 

Union Pacific R.R bonds, 

Burlington & Missouri River in Nebraska, 

St. Joseph & Grand Island R.R. bonds, . 

Corrigan Consolidated Street Ry. bonds, . 

St. Louis Cable & Western R.R. bonds, . 

Spokane & Palouse R.R. bonds, 

Chicago, Burlington & Northern R.R. bonds, 

Helena & Red Mountain R.R. bonds, 

Kansas City Cable RR. bonds, 

Dakota & Great Southern R.R. bonds, 

Des Moines & Fort Dodge R.R. bonds, . 

Housatonic R.R. bonds, .... 

Duluth & Iron Range R.R. bonds, . 

Chicago, Rock Island & Pacific R.R. bonds, 

Fitchburg R.R. bonds, .... 

Baltimore & Ohio RR bonds, . 

Grand Rapids, Lansing & Detroit R.R. bonds 

Grand Avenue R.R. bonds, 

Oregon Short Line R.R. bonds, 

Louisville, Evansville, & St. Louis R R. bonds 

Evansville, Terre Haute & Chicago R.R. bonds 

Boston & Providence R.R. bonds, 

Boston & Maine R.R. bonds, 

Denver City Cable bonds, 

Metropolitan Street Ry. bonds, 

Pennsylvania R.R. bonds, . 

Kansas Equipment Co. bonds, . 

Portland Union Ry. Station Co., 



Cost Value. 

$50,000 00 

7,000 00 

16,000 00 

591,037 50 
25,000 00 

275,000 00 

193,871 67 
14,250 00 

187,050 00 
50,000 00 

120,653 75 
50,000 00 
50,000 00 

108,531 25 
50,000 00 
98,942 50 

198,500 00 

100,000 00 
50,000 00 
41,600 00 

100,000 00 

121,066 25 
38,240 00 

100,000 00 
50,000 00 
21,920 00 

100,000 00 
28,160 00 
99,500 00 

100,000 00 
21,700 00 

100,000 00 
47,500 00 

100,000 00 

230,000 00 
50,000 00 
22,950 00 
95,500 00 
5C,000 00 

100,000 00 
10,000 00 

125,000 00 

175,000 00 
86,000 00 

192,000 00 

150,000 00 
25,000 00 
50,000 00 



Market Value. 

$50,000 00 
12,500 00 
16,000 00 

587,500 00 
25,000 00 

330,000 00 

220,220 00 
16,500 00 

190,000 00 
64,625 00 

138,490 00 
54,250 00 
54,500 00 

110,000 00 
54,250 00 

109,750 00 

222,000 00 

108,000 00 
54,300 00 
37,500 00 
85,000 00 

121,920 00 
32,500 00 
98,000 00 
53,000 00 
18,750 00 

103,000 00 
25,000 00 
98,000 00 

108,000 00 
21,000 00 

125,000 00 
51,000 00 

105,250 00 

248,100 00 
56,500 00 
12,000 00 
97,500 00 
52,250 00 

108,000 00 
10,200 00 

133,125 00 

182,937 50 
50,000 00 

196,000 00 

162,000 00 
20,000 00 
51,000 00 



34 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



Atchison, Topeka & Santa Fe Railroad, 

Omaha Street Railway bonds, . 

St. Louis & Suburban Railway bonds, 

N. Y. Cent. & Hudson River Railroad bonds 

Rio Grande Western Railroad bonds, 

Cincinnati, Dayton & Ironton Railroad bonds 

Clevel'd, Cincinnati, Chicago & St. Louis R.R. 

Chicago & West Michigan Railroad bonds, 

Brookline & Pepperell Railroad bonds, 

Pittsb'g, Cincinnati, Chicago & St. Louis R.R. 

Sturgis, Goshen & St. Louis Railroad bonds, 

Globe Street Railway bonds, 

Union Pacific Railway bonds, 

Concord & Montreal Railroad bonds, 

New York, New Haven & Hartf'd R.R. bonds 

Old Colony Railroad bonds, 

Connecticut River Railroad bonds, 

Worcester Consolidated Street Railway bonds 

Albany city bonds, . 

Boston city bonds, 

Boston Sterling loan, 

New Hampshire State bonds, 

Lawrence, Mass., city bonds, 

Lynn city bonds, 

Cincinnati city bonds, 

Worcester city bonds, 

Brookline, Mass., bonds, 

Fitchburg city bonds, 

Springfield, Mass., bonds, 

Providence city bonds, 

Norwich city bonds, . 

Fall River city bonds, 

Holyoke city bonds, . 

Newton city bonds, . 

New York city bonds, 

New Bedford city bonds, 

Salem city bonds, 

Taunton city bonds, . 

Lewiston city bonds, 

Pawtucket city bonds, 

Kansas City, Mo , bonds, 

Lawrence, Kan., bonds, 

Lincoln, Neb., bonds, 

Indianapolis bonds, . 

St. Paul city bonds, . 

Minneapolis city bonds, 

Sheboygan, Wis., bonds, 

Helena city bonds, . 



Cost Value. 

$280,146 00 

98,500 00 

15,352 00 

100,000 00 

23,700 00 

47,750 00 

91,000 00 

40,490 00 

49,000 00 

50,000 00 

36,250 00 

100,000 00 

24,875 00 

299,250 00 

11,500 00 

125,000 00 

60,000 00 

48,500 00 

14,481 00 

738,736 12 

85,070 00 

21,000 00 

80,210 83 

225,000 00 

85,000 00 

85,000 00 

281,248 00 

78,485 17 

126,000 00 

146,403 06 

94,000 00 

51,000 00 

5,000 00 

60,000 00 

100,000 00 

10,000 00 

10,000 00 

39,000 00 

100,000 00 

150,000 00 

163,808 25 

50,000 00 

49,583 33 

100,000 00 

100,000 00 

185,000 00 

100,000 00 

50,000 00 



Market Value. 

1262,405 00 

98,500 00 

11,700 00 

106,000 00 

23,100 00 

53,750 00 

90,000 00 

38,812 50 

55,370 00 

55,000 00 

37,500 00 

100,000 00 

23,000 00 

312,000 00 

15,410 00 

136,250 00 

60,000 00 

50,000 00 

15,118 50 

793,147 00 

91,726 96 

24,336 00 

88,066 00 

234,547 50 

100,130 00 

94,860 00 

289,573 87 

95,200 00 

152,460 00 

165,792 00 

112,500 00 

55,565 00 

5,400 00 

71,340 00 

100,980 00 

10,905 00 

11,000 00 

39,382 20 

113,500 00 

153,945 00 

168,586 00 

53,150 00 

53,150 00 

100,000 00 

107,500 00 

185,000 00 

105,000 00 

52,800 00 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



35 



Columbus, O., bonds, 

Lowell city bonds, . 

Waltham city bonds, 

Manchester, Mass., bonds, 

Milwaukee city bonds, 

Seattle city bonds, 

Omaho city bonds, . 

Marietta, O., city bonds, 

Woburn bonds, 

Cleveland bonds, 

Eden, Me., bonds, 

Brockton, Mass , bonds, 

Chicago bonds, 

Bridgeport bonds, 

St. Albans, Vt., bonds, 

Meredith Village Fire District bonds, 

County of Cuyahoga, O., bonds, 

Johnston, R. I., bonds, 

Morrisville, Vt., bonds, . 

Lancaster, N. H., Fire Precinct bonds, 

Milton, Mass., bonds, 

Wayne County, Mich., bonds, . 

St. Paul Chamber of Commerce bonds, 

Minneapolis Gas Light Co. bonds, . 

Brookline Gas Light Co. bonds, 

Denver Consolidated Gas Co. bonds, 

Troy Gas Co. bonds, . . . 

Worcester Electric Light Co. bonds, 

Chelsea Gas Light Co. bonds, . 

Algonquin Club, Boston, bonds, 

Norwich & Worcester R.R. notes, . 

Jamaica Plain Gas Light Co. notes, 

New York, New Haven & Hartford R.R. 

Berlin, N. H., notes, .... 

Abington, Mass., notes, 

Kansas City Elevated Ry. notes, 



Co., 



Cost Value. 

$28,000 00 
50,000 00 

110,000 00 

126,000 00 
55,000 00 
25,000 00 

135,000 00 
49,000 00 
5,000 00 
50,000 00 
76,000 00 
15,980 00 
99,750 00 
50,000 00 
21,980 00 
35,000 00 
50,000 00 
55,000 00 
45,000 00 
40,100 00 
26,500 00 
50,000 00 
48,750 00 
50,000 00 
50,000 00 
43,000 00 
25,000 00 
50,000 00 

100,000 00 
24,000 00 

215,500 00 
20,000 00 

300,000 00 

5,000 00 

5,000 00 

25,000 00 



Market Value. 

$29,400 00 
53,125 00 

111,401 20 

130,095 00 
56,262 00 
27,125 00 

139,985 50 
54,880 00 
5,045 00 
50,350 00 
78,074 00 
16,048 00 

100,000 00 
51,070 00 
22,000 00 
36,500 00 
52,250 00 
55,991 50 
45,624 00 
40,659 54 
27,154 60 
51,125 00 
50,000 00 
52,500 00 
50,000 00 
50,000 00 
25,000 00 
50,000 00 

100,000 00 
24,000 00 

215,500 00 
20,000 00 

300,000 00 

5,000 00 

5,000 00 

25,000 00 



813,433,381 72 $14,196,590 37 



STATE MUTUAL LIFE ASSURANCE COMPANY, WORCESTER. 

[Incorporated March 16, 1844. Commenced business June 1, 1845.] 

A. G. Bullock, President, Henry M. Witter, Secretary, 



Income. 

Received for premiums on new policies, . 
Received for renewal premiums, 



$353,477 70 
1,661,470 99 



B6 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



Dividends applied to pay running premiums, .... $244,858 00 
Dividends applied to purchase paid-up additions and annuities, 71,668 21 



Total, $ 2,331,474 90 

Deduct amount paid for reinsurance, . . . . 3,960 90 

Total premium income, . . . . . . . $2,327,514 00 

Received for interest, 432,608 19 

for rents of company's property, .... 36,583 59 

for reinsurance, 1,641 07 

Total income, $2,798,346 85 

Net or ledger assets Dec. 31, 1894, ...... 9,230,614 04 

Total, - . $12,028,960 89 



Disbursements. 

Paid for losses and additions, 

Paid for matured endowments and additions, . 

Gross amount paid for losses and endowments, 
Cash dividends paid policy-holders, .... 
applied to pay running premiums, . 
applied to purchase paid-up additions an 

annuities, 

Surrender values paid in cash, . . . . . 



$500,940 58 
133,160 09 



$634,100 67 

7,226 53 

244,858 00 

71,668 21 
232,890 82 



Total paid policy-holders, 

Cash paid for commissions and bonuses to agents, new poll 
cies, $157,505.50; renewals, $128,645.35, 

for salaries and allowances to managers and agents, 

for medical examiner's fees and inspections, . 

for salaries of officers and home office employees, 

for taxes on new premiums, $ 1,964. 60; on re- 
newals, $ 9,822.90,. 

for taxes on reserves, 

for taxes on real estate, 

for fees, licenses, etc., 

for rent, . 

for commuting commissions, 

for real estate expenses (except taxes), 

for incidentals, 
Profit and loss account, . , 



$1,190,744 23 

286,150 85 
26,101 00 
23,878 50 
41,111 00 

11,787 50 

15,453 40 

8,022 96 

4,546 34 

23,982 19 

10,235 00 

6,470 95 

52,473 01 

10,342 50 



Total disbursements, . 



. $1,711,299 43 



Balance, 



$10,317,661 46 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



37 



Invested in the following : — 



Assets as per Ledger Accounts 



Cost of real estate, 

Loans on mortgage of real estate (first liens) , 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Total net or ledger assets, as per balance, 



$894,444 52 

2,296,220 79 

220,450 00 

282,546 00 

6,228,914 00 

5,633 54 

389,452 61 

,317,661 46 



Other Assets. 



Interest due and accrued, 

Rents due and accrued, . . . 

Market value of stocks and bonds over cost, . 



105,323 00 

2,677 00 

313,454 00 



New Business. 



Renewals. 



Uncollected premiums on poli- 
cies in force, . . . . $123,585 00 $104,646 00 

Deferred premiums on policies 

in force, 56,269 00 195,335 45 



Total, . . . . . $179,854 00 $299,981 45 
Deduct loading (20 per cent.), 35,971 00 59,996 00 



Net amount of uncollected and 

deferred premiums, ; . $143,883 00 $239,985 45 383,868- 45 



Total assets, per company's books, . 



$11,122,983 91 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.) , . . . .$9,807,899 00 
Deduct net value of reinsured risks, ...... 19,332 00 



Net reserve f 9,788,567 00 

Death losses in process of adjustment, . . $33,685 00 
Claims resisted by the company, . . . 25,000 00 

Total policy claims, 58,685 00 



Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 



59,847,252 00 
1,275,731 91 



Gross liabilities, . 



$11,122,983 91 



38 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



Whole life, 
Endowment, 
Reversionary additions, 



Exhibit of Policies. 
Policies and Additions in Force Dee. 31, 1894. 

Number. Amount. Total No. Total Amount. 

. 3,164 $8,381,138 00 
. 15,402 43,969,107 00 
559,687 00 
18,566 $52,909,932 00 



Policies issued during the Year. 



Whole life, 
Endowment, 


46 $195,500 00 
4,331 12,051,500 00 

A Q77 


12,247,000 00 

23,000 00 

36,546 00 

135,569 00 


Endowment policies revived, 6 

Endowment policies increased, . . . . - 
Additions by dividends, . . . . - 


Policies terminated during the Tear. 

Whole life, ... 158 $386,81800 
Endowment, . . . 1,742 4,619,622 00 
All other, .... - 54,157 00 


$65,352,047 00 


By death, .... 

maturity, 

expiry, . 

surrender, 

lapse, . 

change and decrease, 
Not taken, .... 


1,900 $5,060,597 00 

How terminated. 

176 $498,653 00 

48 133,160 00 

9 13,200 00 

696 1,724,223 00 

v 495 1,126,000 00 

27 436,861 00 

449 1,128,500 00 

1,900 


5,060,597 00 



Policies in Force Dec. 31, 1895. 

Whole life, . . . 3,052 $8,189,820 00 

Endowment, . . . 17,997 51,460,531 00 
Reversionary additions, . - 641,099 00 

_ 21,049 $60,291,450 00 



Schedule A. 
Securities held as Collateral. 

Market Value. Loaned Thereon. 

100 shares European & Northern R.R , . . $11,200 00 $5,800 00 

200 " Whitman & Barnes Mfg. Co., . . 26,000 00 20,000 00 

298 " Gazette Co., . . . ... 14,900 00 1,000 00 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



39 



100 shares Mexican Central R.R. Co , 
20 " Worcester Traction Co., . 
100 " Hamilton Woolen Co., . 
50 " West Pullman Land Asso., 
250 " Worcester Traction Co., . 
Worcester and Shrewsbury Co. bonds, . 
200 shares Walker Oakley Co., 

20 shares Pullman Palace Car Co., 
Five Cents Savings Bank book, 
1 share Fitchburg R.R. Co., 
Congress Hotel Co., Chicago,, bonds, 
250 shares Boston & Montana Mining Co., 
Ellicott Square Co., Buffalo, bonds, 
C, B & Q. R R. Co bonds, 

10 shares Worcester Safe Dep. & Trust Co. 
35 " First National Bank, Nor., . 
60 " Spy Pub. Co., 

6 " Boston & Albany R.R. Co., . 
45 " Duncan, Goodell Co., . 
12 " Boston & Albany R.R Co , . 
30 " Fitchburg R.R. Co., 
20 " N. Y. C. & H. R. R.R. Co., . 
6 " American Bell Telephone Co , 
300 " Worcester Traction Co., 
45 " W. & B. Mfg. Co., Akron, O., 
1,075 " Butte & Boston Mining Co., 

5 " B. &. A. R.R. Co., 

6 " Chicago & Alton R.R., . 

6 " Chicago, Rook Island & Pac. R.R. 
4 " Chicago, St. Paul & Minn. R.R , 
56 " Washburn & Moen Mfg. Co., 



Market Value. 

$800 00 

1,700 00 

5,500 00 

5,000 00 

21,250 00 

6,000 00 

30,000 00 

3,000 00 

850 00 

92 00 

67,500 00 

16,250 00 

11,000 00 

13,000 00 

13,000 00 

5,775 00 

9,000 00 

1,230 00 

4,500 00 

2,460 00 

2,760 00 

1,960 00 

1,200 00 

22,000 00 

5,850 00 

12,900 00 

1,025 00 

960 00 

420 00 

388 00 

7,280 00 



Loaned Thereon. 

i $1,700 00 

I 5,000 00 

16,500 00 
4,000 00 

15,000 00 
1,800 00 

I 600 00 

60,000 00 

1 

!> 35,000 00 
i 

J 

4,000 00 
7,000 00 
1,000 00 
2,950 00 

I 800 00 

1,400 00 

500 00 

17,000 00 

4,400 00 



} 15,000 00 



$326,750 00 $220,450 00 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

100 shares Chicago & Northwestern Railroad, $ 14,012 00 $14,000 00 

400 " Morris & Essex Railroad, . . 25,450 00 32,000 00 

300 " Chic, Rock Island & Pacific R.R., . 35,085 00 19,500 00 

110 " Chicago, Burl. & Quincy Railroad, 13,256 00 8,250 00 

270 " Illinois Central Railroad, . . 34,183 00 24,840 00 

338 " Chicago & Alton Railroad, . . 45,754 00 52,390 00 

500 " Norwich & Worcester Railroad, . 86,287 00 97,500 00 

665 " N. Y., New Haven & Hartford R.R , 101,020 00 119,700 00 

400 " New London & Northern Railroad, 62,477 00 80,000 00 

500 " Providence & Worcester Railroad, . 76,893 00 125,000 00 



40 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



625 shares Boston & Albany Railroad, 

300 " Fitchburg Railroad, 

300 " Boston & Maine Railroad, 
45 " State Safe Deposit Co., . 

300 " West End Street Railway Co., 

200 " Central National Bank, Worcester, 
50 " First National Bank, Boston, . 
40 " City National Bank, Worcester, 

100 " Third National Bank, Springfield, 

112 " Hide and Leather N'l B'k, Boston, 
67 " Shawmut National Bank, Boston, 

150 " Atlantic National Bank, Boston, 
90 " Eliot National Bank, Boston, . 

100 " Quinsigamond N'l B'k, Worcester, 

100 " Howard National Bank, Boston, 
25 " Leicester National Bank, 

100 " Continental National Bank, Boston 
75 " Republic National Bank, Boston, 
33 " Webster National Bank, Boston, 

115 " Redemption National Bank, Boston 

100 " Tremont National Bank, Boston, 

148 " Worcester National Bank, 
50 " Millbury National Bank, 
25 " Wachusett Natl Bank, Fitchburg, 
67 " Revere National Bank, Boston, 
90 " Adams National Bank, No. Adams, 

United States bonds, 

Fitchburg Railroad bonds, 

Boston, Clinton, Fitch. & New Bedford R.R., 

New York, Lackawanna & Western R.R 

Chicago & Northwestern R.R., 

Michigan Central R.R., 

New York Central & H. R. R.R., . 

New York & New England R.R., . 

Chicago, Burlington & Quincy R R., 

Chicago, Milwaukee & St. Paul R.R., 

Evansville, Terre Haute & Chicago R.R. 

Pittsburgh, Cleveland & Toledo R.R., 

Chicago. & Eastern Illinois R.R , 

Burlington & Missouri River R.R., . 

Central Pacific R R , . 

Cleve., Col., Cin. & Indianapolis R.R , 

Baltimore & Ohio R.R., . 

St. Paul, Minn. & Manitoba R.R., . 

Lake Erie & Western R.R., 

Housatonic R.R., .... 

Long Island City & Flushing R.R., . 

Atlantic Avenue, Brooklyn, R.R., 



Cost Value. 

$97,851 00 

27,189 00 

47,924 00 

4,500 00 

26,100 00 

28,109 00 

5,000 00 

4,000 00 

10,000 00 

11,575 00 

6,725 00 

18,388 00 

10,575 00 

10,090 00 

9,931 00 

2,650 00 

10,012 00 

7,562 00 

3,575 00 

15,985 00 

13,300 00 

21,319 00 

5,000 00 

2,500 00 

6,756 00 

13,122 00 

180,000 00 

76,125 00 

33,000 00 

73,270 00 

99,427 00 

145,300 00 

32,325 00 

10,662 00 

28,400 00 

29,750 00 

10,250 00 

21,200 00 

49,710 00 

18,600 00 

30,000 00 

19,800 00 

150,000 00 

57,625 00 

96,500 00 

77,750 00 

50,000 00 

87,175 00 



Market Value. 

$128,125 00 
27,600 00 
51,000 00 

4,500 00 
26,400 00 
29,600 00 
12,000 00 

5,800 00 
20,000 00 
11,872 00 

7,169 00 
18,000 00 
11,700 00 
13,500 00 

9,200 00 

3,750 00 
10,600 00 
11,250 00 

3,300 00 
13,800 00 

9,300 00 
22,200 00 

4,900 00 

5,000 00 

6,030 00 

11,250 00 

174,000 00 

72,900 00 

33,000 00 

80,750 00 

105,440 00 

156,300 00 

30,900 00 

11,700 00 

27,600 00 

31,500 00 

10,300 00 

22,000 00 

62,500 00 

18,400 00 

30,300 00 

21,420 00 

155,000 00 

61,250 00 

110,000 00 

93,750 00 

55,000 00 

86,700 00 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



41 



Chicago, Rock Island & Pacific R.R., 
Terre Haute & Indianapolis R.R., . 
Chicago & Western Indiana R.R., . 
Kings County Elevated Ry., 
Milwaukee City R R , 

Grand Avenue R.R., 

Chicago, St. Paul, Minn & Omaha R.R., . 
Fulton Elevated R.R., .... 
Street Railway, Grand Rapids, bonds, 

Maine Central R.R., 

Broadway Surface Railroad, . 
Omaha Street Railway bonds, . . . 
Wabash Railroad bonds, .... 
West Side, Milwaukee, Railroad bonds, . 
Baltimore Belt Railroad bonds, 
Akron & Chicago Junction Railroad bonds, 
Saginaw Union Street Railway bonds, 
Consolidated Street Railway, Columbus, O., 
Rutland Railroad Company bonds, . 
Metropolitan St. R'y Co., Kansas City, bonds 
Columbus Con. & Term. Railroad Company, 
Chicago & Indiana Coal Railway Co. bonds, 
Great Northern Railway Company bonds, 
Cin., Hamilton & Dayton Railroad bonds, 
St. Louis, Iron Mt. & Southern R.R. bonds, 
Toledo and Ohio Central Car Trust, 
Ulster & Delaware Railroad bonds, . 
Baltimore & Ohio Equipment Association Vds 
Ohio River Railroad bonds, 
Chicago & West Michigan Railroad bonds, 
Globe Street Railway bonds, . . 
Ellwood Short Line bonds, 
Lehigh Valley Terminal Railway bonds, 
West End Street Railway, Boston, bonds, 
Minn., Lynd'le & Min't'nka R'y Co., 
Rio Grande & Western Railroad bonds, . 
Boston & Maine Railroad bonds, 
Me. Ct R R. & Europ'n & North'n R.R. bonds 
Clev., Cin., Chic. & St Louis R.R. bonds, 
Old Colony Steamboat Company bonds, . 
Portland & Ogdensburg Railway bonds, . 
Worcester Cons. Street Railway Co. bonds, 
Clev., Lorain & Wheeling R.R. Co. bonds, 
Wilkesbarre & Eastern Railroad Co. bonds, 
St. Johnsbury & Lake Champlain bonds, 
Brooklyn City Railroad Company bonds, 
Essex Street Railway Company bonds, . 
Pacific Railroad of Missouri bonds, . 



Cost Value. 

$40,000 00 
25,000 00 
44,900 00 
25,000 00 
25,000 00 
24,125 00 
57,500 00 
25,000 00 
16,050 00 
26,855 00 
60,700 00 
49,100 00 
50,000 00 
50,000 00 
25,000 00 
50,000 00 
10,000 00 
50,000 00 
20,950 00 
29,250 00 
47,500 00 
25,000 00 
45,875 00 
50,000 00 
77,000 00 
10,000 00 
15,600 00 
25,000 00 
24,375 00 
25,248 00 
29,950 00 
22,500 00 
52,500 00 
15,000 00 
24,625 00 
19,500 00 
51,000 00 
90,000 00 

112,500 00 
26,000 00 
50,000 00 

107,870 00 
47,500 00 
48,750 00 
55,000 00 

109,500 00 
95,700 00 
30,000 00 



Market Value. 

|42,000 00 
26,250 00 
46,400 00 
20,000 00 
25,500 00 
25,000 00 
63,000 00 
18,750 00 
16,200 00 
27,500 00 
64,800 00 
50,000 00 
52.000 00 
51,000 00 
25,750 00 
52,500 00 
10,500 00 
50,000 00 
20,900 00 
30,000 00 
50,000 00 
25,000 00 
47,000 00 
52,500 00 
77,500 00 
10,000 00 
15,450 00 
25,000 00 
25,500 00 
19,452 00 
30,900 00 
25,500 00 
56,000 00 
15,450 00 
25,000 00 
19,000 00 
56,000 00 

100,000 00 

115,000 00 
25,750 00 
53,500 00 

116,390 00 
54,000 00 
46,500 00 
57,500 00 

113,000 00 
99,640 00 
30,000 00 



42 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



Cleveland Electric Railway Company bonds, 

Worcester, Nashua & Rochester Railroad, 

Toledo & Ohio Central Railroad Company, 

Lehigh & New York Railway bond 

Saginaw Cons. Street Railway Co. bonds 

Northern Ohio Railroad bonds, 

Portland city bonds, . 

Bangor city bonds, . 

Lawrence city bonds, 

Newton city bonds, . 

Lowell city bonds, 

Providence city bonds, 

Boston city bonds, 

Clinton town bonds, . 

Beverly city bonds, . 

St. Paul city bonds, . 

Cincinnati city bonds, 

Minneapolis city bonds, 

St. Louis city bonds, . 

Toledo city bonds, 

Quincy, Mass., bonds, 

Omaha sewer bonds, 

Omaha park bonds, . 

Nashville city bonds, 

Birmingham, Ala., bonds, 

Fostorio, O., bonds, . 

Abstract Safety Vault Co., Chicago, bonds, 

Montclair, N. J., school bonds, 

Montclair, N. J., sewer bonds, . 

Columbus city bonds, 

Duluth city bonds, . 

Worcester Gas Light Co. bonds, 

Count} 7 of Hennepin and Minneapolis, 

Worcester Electric Light Co. bonds, 

Kansas City (School District) bonds, 

Congress Hall Co , Chicago, bonds, . 

County of Franklin, O., bonds, 

Borough of Rutherford, N. J , bonds, 

N. E. Telephone & Tel. Co. bonds, . 

Columbus, O , Board of Education bonds 

Wayne Co., Mich., building bonds, . 

Parish St. Mark's Church loan, 

Gardner Water Company loan, 

Washburn & Moen Manufacturing Co. loan, 

Barre Water Co. loan, 

Guilford, Vt., town loan, 



Cost Value. 

$24,750 00 
104,750 00 
48,000 00 
92,250 00 
9,800 00 
154,125 00 
19,000 00 
26,375 00 
53,000 00 
26,750 00 
52,000 00 
25,875 00 
50,125 00 
41,400 00 
51,375 00 
50,500 00 
9,640 00 
41,922 00 
21,450 00 
42,825 00 
20,000 00 
30,375 00 
26,250 00 
10,000 00 
26,750 00 
20,000 00 
52,000 00 
4,500 00 
52,125 00 
52,500 00 
22,875 00 
100,000 00 
51,500 00 
50,000 00 
23,800 00 
80,000 00 
10,000 00 
48,000 00 
26,250 00 
25,000 00 
50,000 00 
1,100 00 
60,000 00 
100,000 00 
10,000 00 
1,000 00 



Market Value. 

$ 25,000 00 
104,000 00 
50,000 00 
93,000 00 
10,000 00 
156,000 00 
22,400 00 
27,000 00 
58,000 00 
29,000 00 
52,000 00 
25,750 00 
51,000 00 
40,800 00 
52,000 00 
51,000 00 
8,880 00 
43,050 00 
20,800 00 
44,880 00 
20,720 00 
31,500 00 
26,500 00 
10,000 00 
22,500 00 
20,000 00 
54,570 00 
4,500 00 
52,000 00 
53,000 00 
24,000 00 
106,000 00 
52,000 00 
53,000 00 
24,500 00 
80,000 00 
10,600 00 
51,000 00 
27,000 00 
25,000 00 
51,000 00 
1,100 00 
60,000 00 
100,000 00 
10,000 00 
1,000 00 



1,228,914 00 $6,542,368 00 



LIFE INSURANCE COMPANIES 

OF OTHBE STATES. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements for the Year ending 

December 31, 1895. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



« iETNA LIFE INSURANCE COMPANY," HARTFORD, CONN. 

[Incorporated 1820. Commenced business 1850.] 

Paid up Capital, $1,750,000. 

Morgan G. Bulkeley, President. J. L. English, Secretary. 

Note.— As this company is doing both a life and accident business, and its assets are all held 
equally for the protection of both classes of policy-holders, the assets are therefore not divided 
for the different departments. The details of both departments are given in their respective 
places. 

Income. 



Received for premiums on new policies, . 
Received for renewal premiums, .... 
Dividends applied to pay running premiums, . 
Surrender values applied to pay running premiums, 
Surrender values applied to purchase paid-up insurance 
annuities, 

Total, ... . 

Deduct amount paid for reinsurance, 

Total premium income, 
Received for interest, 

for rents of company's property, 

for reinsurance, 
Premium notes or loans restored, 
Profit on securities sold, . 
Interest on deposits, . 

Total income life department, . 
Total income accident department, 

Gross income, .... 
Net or ledger assets Dec. 31, 1894, . 

Total, 

Disbursements 

Paid for losses, 

for matured endowments, . 

for matured instalment policies, 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 



and 



8597,523 91 

3,433,932 28 

610,268 71 

13,762 60 

261,414 50 

$4,916,902 00 
1,920 04 

$1,911,981 96 
1,661,752 79 
18,598 13 
- 348 43 
486 54 
17,086 76 
28,724 06 

$6,641,978 67 
282,354 43 

$6,924,333 10 
40,464,700 31 

$ 17,389,033 41 



$2,348,228 88 

932,193 45 

1,000 00 

$3,281,422 33 
2,984 00 

$3,278,438 33 



46 



^ETNA LIFE INSURANCE COMPANY. 



Premium notes or loans used in purchase of surrendered 
policies and voided by lapse, ...... 

Premium notes or loans used in payment of dividends to 
policy-holders, . . . . . ...-.'• 

Cash dividends paid policy-holders, .... 

applied to pay running premiums, . 
Surrender values paid in cash, ..... 

applied to pay running premiums, 
applied to purchase paid-up insurance and 
annuities, . . . ... 

Total paid policy-holders, 

Cash paid for dividends to stockholders, .... 

for commissions and bonuses to agents, new poll 

cies, $289,018.19 ; renewals, $262,907.33, . 
for salaries and allowances to managers and agents 
for medical examiner's fees and inspections, . 
for salaries of officers and home office employees, 
for taxes on new premiums, f 5, 140. 66 ; on renew- 
als, $31,750.08, 

for taxes on investments, $81,978.36 ; on reserves 

$5,042.05, . . . 
for fees, licenses, etc., ..... 

for rent, 

for advertising, printing and postage, 

for legal expenses, 

for furniture and office fixtures, 

for incidentals, 

Profit and loss account, 



Total disbursements life department, 
Total disbursements accident department, 



$ 14,275 57 

36,349 53 

188,104 16 

610,268 71 

146,590 89 

13,762 60 

261,414 50 

|4,549,201 29 
156,250 00 

551,925 52 
10,838 50 
40,654 73 

113,343 57 

36,890 74 

87,020 41 
11,953 26 
25,201 35 
49,472 65 
17,618 14 

2,160 38 
32,908 09 

3,839 15 

$5,689,280 78 
235,595 35 



Gross disbursements, $5,924,876 13 



Balance, 



$41,464,157 28 



Invested in the following : — 



Assets as per Ledger Accounts 



Cost of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 



$492,341 96 

23,752,838 84 

429,673 14 

719,755 62 

704,471 36 

12,528,918 77 

464,543 17 

2,315,289 24 



.etna life insurance company. 47 

Agents 1 debit balances, $28,174 57 

Loans on personal security, 500 00 

Total,. • 141,466,506 67 

Deduct agents 1 credit balances, 2,349 39 



Total net or ledger assets, as per balance, . . $41,464,157 28 

Other Assets. 

Interest due and accrued, . . 1,055,270 61 

Market value of stocks and bonds over cost, .... 662,115 53 

New Business. Kenewals. 

Uncollected premiums on poli- 
cies in force, .... $54,565 28 $154,382 29 

Deferred premiums on policies 
in force, 32,948 93 218,629 40 



Total, $87,514 21 $373,01169 

Deduct loading (20 per cent), 17,502 84 74,602 34 



Net amount of uncollected and 

deferred premiums, . . $70,011 37 $298,409 35 



368,420 72 



Total assets, per company's books, .... $43,549,964 14 

Items not admitted and Depreciation. 

Agents 1 debit balances, . . . $28,174 57 

Loans on personal security, .... 500 00 

Total, ........ — 28,674 57 



Total admitted assets, ... . . . $43,521,289 57 

Deduct special deposits in other States, 346,154 00 



Balance, . . $43,175,135 57 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent), 
Deduct net value of reinsured risks, 



Net reserve, .... 
Present value of unpaid instalments, 
Commissions due on premium notes, 
Matured endowments due and unpaid, 
Death losses in process of adjustment, 
Claims resisted by the company, 

Total policy claims, . 



$35,908,904 00 
47,978 00 



$35,860,926 00 
. . . 6,082 00 
2,660 77 
$54,905 00 
139,177 00 
15,346 00 
209,428 00 



MTNA LIFE INSURANCE COMPANY. 



Unpaid dividends of surplus due policy-holders, 
Premiums paid in advance, . . . . 

Contingent surrender values, «... 
Bills payable, ....... 

Liabilities life department, .... 
Liabilities accident department, 



$515,997 89 

3,552 26 

21,407 35 

8,181 04 

,628,235 31 
126,330 98 



Gross liabilities, 
Deduct liabilities on special deposits, 



Surplus as regards policy-holders, 
Paid up capital, 
Surplus over capital, 



$36,754,566 29 
346,154 00 



,766,723 28 



36,408,412 29 



. 1,750,000 00 
. 5,016,723 28 



Gross liabilities, 



$43,175,135 57 



Premium Note Account, 

'Premium notes on hand Dec. 31, 1894, 
received during 1895, 
restored by revival of policies, 

Total, ........ 

Used in payment of losses and claims, . 
Used in purchase of surrendered policies, 
Voided by lapse, ...... 

Used in payment of dividends to policy-holders, 
Redeemed by maker in cash, .... 

Total, . . . 

Balance note assets Dec. 31, 1895, . 



,932 42 

35,154 65 

486 54 

$48,491 08 

13,085 02 

1,190 55 

36,349 53 

1,986 07 



5,573 61 



101,102 25 
. $704,471 36 



Exhibit of Policies. 

Policies and Additions in Force Dec. 32, 1S94* 



Whole life, 
Endowment, 
All other, » 



Number. Amount. Total No. Total Amount. 

34,725 $47,952,114 00 
37,776 62,996,970 00 
10,869 24,958,712 00 

83,370 $135,907,796 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 



1,239 


$2,334,795 00 


7,047 


13,405,534 00 


1,835 


4,285,860 00 


-~— — — . 


_ — ___ 10,121 $20,026,189 00 



^TNA LIFE INSURANCE COMPANY, 



49 



Whole life, 
Endowment, 
All other, . 



Total, . 



Old Policies revived and increased. 

Number. Amount. Total No. Total Amount. 

8 $37,998 00 
40 134,393 00 
276 545,700 00 
324 $718,091 00 



93,815 $156,652,076 00 



Whole life, 
Endowment, 
All other, . 



Policies terminated during the Year. 
. 1,611 $2,864,116 00 



4,544 
2,292 



8,458,014 00 
5,302,685 00 





How terminated. 


By death, . 


. 1,327 


$2,319,524 00 


maturity, 


810 


929,102 00 


expiry, . 


744 


1,764,260 00 


surrender, . 


. 1,395 


2,277,233 00 


lapse, . 


. 2,399 


5,537,433 00 


change and decrea 


se, . 272 


584,050 00 


Not taken, 


. 1,500 


3,213,213 00 



8,447 $16,624,815 00 



8,447 $16,624,815 00 



Policies in Force Dec. 32, 1895. 

Whole life, . . '. 34,361 $47,460,791 00 
Endowment, . . . 40,319 68,078,883 00 
All other, . . . . 10,688 24,487,587 00 

__ _____ 85,368 $140,027,261 00 



Schedule A. 

Securities held as Collateral. 



50 shares Hartford Carpet Company, 

25 " United States Bank, 
124 " iEtna Fire Insurance Company, 
807 " Willimantic Linen Company, 
Hartford City Salt Company bonds, 
400 shares Willimantic Linen Company. . 

50 " Hartford Carpet Company, 
169 " iEtna Fire Insurance Company, 
150 " United States Bank, 
654 " Kellogg & Bulkeley Company, 

50 " United States Bank, 



Market Value. Amount Loaned. 

$3,500 00 

8,750 00 
33,060 00 }> $60,700 00 
22,596 00 | 

4,200 00 J 
11,200 00 ) 

3,500 00 j 
44,785 00 } 105,363 31 
52,500 00 | 
16,350 00 J 
17,500 00 10,000 00 



50 



^ETNA LIFE INSURANCE COMPANY. 



1,300 shares Wheeler & Wilson Mfg. Co., 
281 " Willimantic Linen Company, 

Assignment of mortgage, 

233 shares Willimantic Linen Company, 
100 " Plimpton Manufacturing Co., 
25 " iEtna Fire Insurance Company, . 
125 " Hartford Fire Insurance Co., 
52 " iEtna Fire Insurance Company, . 
16 " iEtna Fire Insurance Company, . 
10 " Phoenix Fire Insurance Company, 
40 " Travelers Insurance Company, . 
gf'Q " Willimantic Linen Company, 
25 " United States Bank, 
50 *' Orient Fire Insurance Company, . 
63 " JEtna Fire Insurance Company, . 
2 " Connecticut River Railroad Co., . 
10 " Russell & Erwin Mfg. Co., . 

2 " Collins Company, . 
20 " iEtna Fire Insurance Company, . 
The Culbertson Irrigating Water Power bonds, 
100 shares iEtna Fire Insurance Company, . 
1,800 " Willimantic Linen Company, 
12 " Hartford Fllectrie Light Co., 
50 " Hartford Steam Boiler Ins Co., 
2,058 " W T illimantic Linen Company, 
, 100 " Chic, Rock Island & Pacific R.R. 
100 " Chic, Burlington & Quincy R.R. 
Macoupin county bonds, . . 
12 shares N. Y., N. H. & Hartford R.R., . 
Assignment of mortgages, 
Assignment of mortgages and policies, . 
10 shares Travelers Insurance Company, 



Market Value. 

$26,000 00 

7,868 00 

3,000 00. 

86,524 00 

14,000 00 

6,625 00 

43,750 00 

13,780 00 

4,240 00 

1,900 00 

8,720 00 

8,400 00 

8,750 00 

4,000 00 

16,695 00 

500 00 

750 00 

200 00 

5,300 00 

40,000 00 

26,500 00 

50,400 00 

1,200 00 

5,000 00. 

57,624 00 

6,500 00 

7,700 00 

3,000 00 

2,184 00 

4,100 00 

4,000 00 

2,180 00 



Amount Loaned. 

I $31,646 31 

$5,000 00 
5,000 00 
5,000 00 

I 17,500 00 

i 10,800 00 

I 
I 
)■ 24,000 00 

I 
) 

i 1,100 00 

4,200 00 

40,000 00 

3,500 00 

i 43,224 33 

40,000 00 
I 11,539 19 

2,000 00 
1,700 00 
3,000 00 
3,000 00 
1,400 00 



,331 00 $429,673 14 



Schedule B. 

Slocks and Bonds owned by the Company. 

Cost Value. Market Value. 

235 shares Connecticut River Banking Co., . $20,365 00 $10,575 00 

75 " Metropolitan Bank (New York), 5,212 50 225 00 

918 " Phoenix National Bank (Hart.), . 124,285 50 114,750 00 

400 " Merc'tile National Bank (Hart),. 42,885 25 36,000 00 

448 " City National Bank (Hartford), . 60,900 75 47,040 00 

750 " Hartford National Bank (Hart),. 107,720 25 112,500 00 

773 " First National Bank (Hartford), . 95,460 66 85,030 00 

1,552 " Nat'l Exchange Bank (Hartford), 93,729 80 100,880 00 

1,632 " American Nat'l Bank (Hartford), 95,022 87 114,240 00 

377 " Farm. & Mech. Nat'l B'k (Hart.), 83,664 25 43,355 00 



JETNA LIFE INSURANCE COMPANY. 



51 



66 shares Suffield National Bank (Suffield) 
250 " New Britain N. B (New Britain) 
836 " Charter Oak Natl Bank (Hart.) 
763 " JEtna National Bank (Hartford) 
240 " Hartford Trust Co. (Hartford), 
92 " United States Bank (Hartford), 
200 " Rockville Nat'l Bank (Rockville) 
100 " Security Company (Hartford), 
150 " Home National Bank (Meriden) 

United States bonds, . 

368 shares Connecticut River Railroad, 
84 " yEtna Fire Insurance, . 

2,842 " N. Y., N. H. & Hartford R.R., 

Columbus & Indianapolis R.R. bonds, 

Union Pacific Railroad bonds, . 

Keokuk & Des Moines Railroad bonds, . 

121 shares Keokuk & Des Moines R R. stock, 

Atlantic Dock bonds, 

Chicago, Milwaukee & St. Paul R.R. bonds, 

Vermont Valley Railroad bonds, 

410 shares Chicago, Burl. & Quincy Railroad 

220 " N. Y. Cen & Hudson River R.R., 

200 " Union Pacific Railroad, . 

Terre Haute & Logansport Railroad bonds, 

Hartford & New York Transportation Co., 

250 shares Connecticut & Passumpsic Railroad 

Chicago, Burlington & Quincy R.R. bonds, 

100 shares Chic, Milwaukee & St Paul R.R. 

100 " Chicago & Rock Island Railroad, 

100 " Chicago & Northwestern Railroad 

116 " Delaware & Hudson Canal Co., 

N. Y., N H. & H. R.R. debentures, . 

Middlesex Banking Company debentures, 

Terre Haute & Peoria bonds, . 

New York & New England Railroad bonds, 

Connecticut River Railroad bonds, . 

City of Brantford bonds, . 

Province of Manitoba bonds, . 

Virginia state bonds, . . 

Tennessee state bonds, 

Mobile city bonds, .... 

Hartford city bonds, . . 

Louisville city bonds, 

New Britain city bonds, . 

Plattsmouth (Neb.) city bonds, 

London (Ont.) city bonds, 

New Boston city bonds, . 

Jersey City city bonds, 



Cost Value. 

$8,375 00 
28,450 00 
97,572 25 
88,839 46 
25,065 00 
19,962 50 
20,000 00 
10,000 00 
18,375 00 

435,875 00 
39,372 25 
19,236 68 

423,054 00 
45,000 00 
30,690 00 



25,000 00 
25,000 00 

150,750 00 
33,862 50 
27,000 00 
18,625 00 

100,000 00 

12,000 00 

25,250 00 

1,100 00 

10,250 00 

5,475 00 

9,000 00 

11,987 50 

631,288 75 

100 00 

25,375 00 

200,000 00 
18,400 00 
97,500 00 

149,893 34 
23,357 94 
25,100 00 

140,500 00 

156,690 00 
89,750 00 

130,689 00 

23,000 00 

75,000 00 

4,000 00 

62,900 00 



Market Value. 

$9,900 00 
41,250 00 
79,420 00 

114,450 00 
36,000 00 
32,200 00 
22,000 00 
12,500 00 
19,500 00 

459,200 00 
92,000 00 
22,260 00 

517,244 00 
51,000 00 
30,000 00 



22,033 20 17,220 00 



26,500 00 

28,750 00 

159,000 00 

31,570 00 

21,780 00 

100 00 

110,000 00 

12,000 00 

25,500 00 

1,100 00 

12,800 00 

6,500 00 

10,000 00 

14,500 00 

690,000 00 

100 00 

26,250 00 

234,800 00 

18,400 00 

102,000 00 

163,240 00 

18,354 00 

20,080 00 

140,500 00 

164,850 00 

124,000 00 

149,500 00 

23,460 00 

76,500 00 

4,000 00 

73,500 00 



52 



.ETNA LIFE INSURANCE COMPANY. 



Ottawa city bonds, . 

Indianapolis city bonds, . 

Quincy city bonds, . 

Milwaukee city water bonds, 

Cincinnati city bonds, 

St. Paul (Minn.) city bonds, 

St Paul (Neb.) city bonds, 

Webster city bonds, . 

Hull city bonds, 

Oxford city bonds, . 

Lincoln city bonds, . 

Emporia city bonds, . 

Hartland city bonds, 

Wymore city bonds, . 

Audubon city bonds, . 

Ness City city bonds, 

Russell city bonds, . 

Montreal Harbor city bonds, 

Lincoln city bonds, . 

Quebec city bonds, . 

Stratford city bonds, . 

Toronto city bonds, . 

Winfield city bonds, . 

Kendallville city bonds, . 

Wichita city bonds, . 

Quebec government bonds, 

Hartford City Salt Company bonds, 

Coleman county (Texas) bonds, 

Cimarron city bonds, 

David city bonds, 

Ellsworth city bonds, 

Superior city bonds, 

Seneca city bonds, 

Pratt city bonds, 

Burrton city bonds, 

Lyons city bonds, 

Canton city bonds, 

Norton city bonds, 

Kingman city bonds, 

South Hutchinson city bonds, 

Loup City city bonds, 

Conway Springs city bonds, 

Douglass city bonds, 

Coolidge city bonds, . 

Johnson city bonds, . 

Englewood city bonds, 

Seward city bonds, . 

Governor's Foot Guard bonds, 



Cost Value. 

$133,000 00 
107,570 00 
11,564 00 
44,500 00 
100,000 00 
£2,350 00 
20,000 00 
13,000 00 
40,000 00 

9,800 00 
29,500 00 
14,500 00 
10,000 00 

5,000 00 

5,000 00 
11,875 00 

5,000 00 
60,000 00 
11,880 00 
40,000 00 
21,000 00 
498,317 00 
10,000 00 
13,000 00 
46,000 00 
207,500 00 
15,000 00 

6,000 00 
10,000 00 

6,300 00 
37,260 00 
13,000 00 

9,500 00 
12,900 00 
12,880 00 
32,200 00 

6,405 00 
16,400 00 

8,000 00 

3,500 00 

6,000 00 
13,000 00 
11,000 00 
10,000 00 

8,500 00 

4,200 00 
13,500 00 
10,000 00 



Market Value. 

$140,980 00. 

126,000 00 

24,000 00 

51,700 00 

125,000 00 

66,000 00 

21,000 00 

13,650 00 

41,200 00 

10,000 00 

30,975 00 

14,500 00 

8,000 00 

5,000 00 

5,000 00 

12,500 00 

5,000 00 

63,600 00 

12,000 00 

41,500 00 

22,050 00 

527,310 00 

10,000 00 

13,000 00 

50,000 00 

224,100 00 

9,000 00 

6,000 00 

5,000 00 

7,350 00 

36,500 00 

13,000 00 

10,000 00 

15,000 00 

14,000 00 

35,000 00 

7,000 00 

17,000 00 

8,000 00 

3,500 00 

6,000 00 

13,000 00 

11,000 00 

5,000 00 

8,500 00 

4,000 00 

15,000 00 

10,500 00 



^TNA LIFE INSURANCE COMPANY. 



53 



City of Alma bonds, . 

City of Orleans bonds, 

City of Hastings bonds, 

Ford county bonds, . 

Macoupin county bonds, 

Mason & Tazewell county bonds, 

Gallatin county bonds, 

Edward county bonds, 

Moultrie county bonds, 

Ellsworth county bonds, . 

Lyon county bonds, . 

Pawnee county bonds, . 

Harper county bonds, 

Stafford county bonds, 

Hunt Drainage District bonds, 

Ulysses city bonds, . 

Reno county bonds, . 

Seward county bonds, 

Clay county bonds, . 

Paris town bonds, 

Hartford town bonds, 

Grant town bonds, . 

Urbana town bonds, . 

Meade county bonds, 

Gray county bonds, . 

Nickerson city bonds, 

Lakin township bonds, 

Ironwood city bonds, 

Meade Centre township bonds, 

Jackson town bonds, 

Coaticook town bonds, 

Lake Fork town bonds, 

Montrose county bonds, . 

Huntington county bonds, 

Las Animas county bonds, 

Goodland city bonds, 

Pawnee city bonds, . 

Greenfield city bonds, 

Dallas city bonds, 

Anthony city bonds, . 

Harper city bonds, . 

Beatrice city bonds, . 

Goldendale city bonds, 

Tipton city bonds, 

Keithsburg town bonds, 

Ross town bonds, 

Levis town bonds, 

Highland town bonds, 



Cost Value. 

$8,122 50 

8,500 00 
54,000 00 
48,500 00 
78,800 00 
26,500 00 

5,055 00 
20,000 00 
15,000 00 
26,000 00 
35,000 00 
25,000 00 
11,500 00 

5,000 00 
24,250 00 

9,500 00 
20,500 00 
47,000 00 
24,125 00 

8,000 00 
71,600 00 
15,000 00 

3,500 00 
23,000 00 

7,500 00 
10,000 00 
10,000 00 
20,000 00 
15,000 00 

9,900 00 
21,000 00 
19,000 00 

6,000 00 

2,250 00 
29,300 00 

9,000 00 

4,000 00 

1,189 20 
50,000 00 
19,000 00 
19,000 00 
10,000 00 
12,500 00 

5,725 00 
17,000 00 
14,592 00 
27,000 00 
10,000 00 



Market Value. 

$9,000 00 

8,500 00 
63,000 00 
50,000 00 
82,74.0 00 
27,825 00 

5,055 00 
20,000 00 
15,300 00 
26,000 00 
17,500 00 
25,000 00 
11,500 00 

5,000 00 
25,000 00 

5,000 00 
20,500 00 
37,600 00 
25,000 00 

8,000 00 
75,050 00 
15,750 00 

3,500 00 
18,400 00 

7,500 00 
10,000 00 

5,000 00 
21,000 00 
15,000 00 
10,000 00 
21,000 00 
19,000 00 

6,300 00 

2,250 00 
30,765 00 

9,000 00 

4,000 00 

1,189 20 
55,000 00 
21,000 00 
21,000 00 
10,500 00 
13,125 00 

6,011 25 
17,850 00 
14,592 00 
27,000 00 
10,000 00 



54 



MTNA LIFE INSURANCE COMPANY. 



Rock Creek town bonds, 
Sprague town bonds, 
Province of Quebec bonds 
Dodge town bonds, . 
Mt. Forest town bonds, 
Pleasant town bonds, 
Hager Slough town bonds 
Creek town bonds, . 
Reeder town bonds, . 
Jefferson town bonds, 
Great Bend town bonds, 
Tuscola town bonds, 
Butler town bonds, . 
Coldwater town bonds, 
Lamard town bonds, . 
Wild Cat town bonds, 
Fond du Lac town bonds, 
Neodesha town bonds, 
Baxter Springs town bonds, 
Monroe Township town bonds, 
Morton Township town bonds, 
Henderson town bonds, . 
Lockridge town bonds, 
Stranger town bonds, 
Washington town bonds, . 
Rolling Prairie town bonds, 
Hayes town bonds, . 
McFadden town bonds, 
Leroy town bonds, . 
Tonganoxie town bonds, . 
Eagle township bonds, 
Valley Centre township bonds 
Richland township bonds, 
Little River township bonds, 
Victoria township bonds, . 
Liberty township bonds, . 
Burrton township bonds, . 
Green Garden township bonds 
Phillipsburg township bonds, 
Plum township bonds, 
Center township bonds, . 
Jefferson township bonds, 
Lake township bonds, 
Richland township bonds, 
Lincoln township bonds, . 
Elk Creek township bonds, 
Limestone township bonds, 
Ezbon township bonds, 



Cost Value. 

$28,710 00 

40,133 33 

153,187 50 

3,000 00 
20,000 00 
35,000 00 

4,000 00 

4,000 00 
15,840 00 

6,000 00 

6,000 00 
10,000 00 

3,000 00 
10,000 00 

2,000 00 
500 00 
20,000 00 
12,000 00 
20,500 00 
38,610 00 

8,550 00 

4,750 00 

7,600 00 

9,600 00 
45,700 00 
18,000 00 
17,575 00 

9,500 00 

7,600 00 
19,200 00 
13,800 00 

9,200 00 
12,040 00 
21,160 00 
20,240 00 

7,600 00 
23,920 00 
13,800 00 

9,150 00 
12,900 00 
41,860 00 

7,600 00 
17,480 00 
12,352 50 
13,800 00 

7,600 00 
13,725 00 

8,600 00 



Market Value. 

$29,000 00 

42,000 00 

162,180 00 

3,000 00 

20,600 00 

3,500 00 

4,000 00 

4,000 00 

16,000 00 

6,000 00 

6,000 00 

10,500 00 

3,000 00 

8,000 00 

2,100 00 

500 00 

21,000 00 

12,000 00 

20,500 00 

40,950 00 

9,000 00 

5,000 00 

8,000 00 

10,000 00 

50,000 00 

18,000 00 

19,000 00 

10,000 00 

8,000 00 

20,000 00 

15,000 00 

10,000 00 

14,000 00 

23,000 00 

22,000 00 

8,000 00 

26,000 00 

15,000 00 

10,000 00 

15,000 00 

45,000 00 

8,000 00 

19,000 00 

13,500 00 

15,000 00 

8,000 00 

15,000 00 

10,000 00 



.ETNA LIFE INSURANCE COMPANY. 



55 



Groveland township bonds, 
Banner township bonds, . 
Harrison township bonds, 
Valparaiso township bonds, 
Haynesville township bonds, 
Turkey Creek township bonds, 
May township bonds, 
Pleasant Valley township bonds, 
Antelope township bonds, 
Little Blue township bonds, 
Alma township bonds, 
Township G bonds, . 
Franklin township bonds, 
Township M bonds, . 
Township L bonds, . 
Township B bonds, . 
Brown township bonds, . 
New York township bonds, 
Baker township bonds, 
Henderson township bonds, 
Thayer township bonds, . 
Stewart township bonds, . 
Union township bonds, 
Bone Creek township bonds, 
Read township bonds, 
Olive township bonds, 
Oak Creek township bonds, 
Strom burg Village bonds, 
Village of Ord bonds, 
Bowen precinct bonds, 
Victor precinct bonds, 
Fairmount precinct bonds, 
Lincoln precinct bonds, 
Center precinct bonds, 
Twin Grove precinct bonds, 
Madison precinct bonds, . 
Harvard precinct bonds, . 
Nova precinct bonds, 
Geneva precinct bonds, 
Exeter precinct bonds, 
Ainsworth precinct bonds, 
Coolidge Bridge town bonds, 
School District, Kansas, bonds, 
Spring Creek precinct school bonds 
Cedar Rapids school bonds, 
Ida Grove school bonds, . 
Glad Brook school bonds, 
South Bend school bonds, 



Cost Value. 

$13,760 00 

24,685 00 

18,000 00 

5,500 00 

17,100 00 

2,707 50 

4,061 25 

3,900 00 

4,512 50 

2,707 50 

5,866 25 

9,000 00 

6,300*00 

9,000 00 

4,500 00 

9,000 00 

5,400 00 

9,000 00 

9,000 00 

4,500 00 

4,500 00 

9,000 00 

5,400 00 

9,000 00 

9,000 00 

5,400 00 

5,400 00 

12,000 00 

4,000 00 

10,000 00 

15,000 00 

27,075 00 

2,800 00 

6,300 00 

9,000 00 

4,500 00 

16,500 00 

3,840 00 

13,500 00 

18,000 00 

8,000 00 

8,400 00 

32,500 00 

5,760 00 

114,000 00 

15,500 00 

1,500 00 

1,000 00 



Market Value. 

816,000 00 

27,500 00 

20,000 00 
5,500 00 

19,000 00 
3,000 00 
4,500 00 
3,900 00 
5,000 00 
3,000 00 
6,500 00 

10,000 00 
7,000 00 

10,000 00 
5,000 00 

10,000 00 
6,000 00 

10,000 00 

10,000 00 
5,000 00 
5,000 00 

10,000 00 
6,000 00 

10,000 00 

10,000 00 
6,000 00 
6,000 00 

12,000 00 
4,000 00 

10,000 00 

15,000 00 

30,000 00 
3,000 00 
7,000 00 

10,000 00 
5,000 00 

19,000 00 
4,000 00 

15,000 00 

20,000 00 
8,000 00 
7,500 00 

30,500 00 

6,000 00 

119,700 00 

16,275 00 
1,500 00 

. 1,000 00 



56 



J3TNA LIFE INSURANCE COMPANY. 



Batavia school bonds, 

Sidell school bonds, . 

Odebolt school bonds, 

Van Horn school bonds, . 

School District, Nebraska, bonds, 

Panora school bonds, 

School District, Kansas, bonds, 

Lebanon school bonds, 

Inlet Swamp drainage bonds, 

City of Victoria bonds, 

City of Ossawatomie bonds, 

Hamilton county bonds, . 

City of Downs bonds, 

Beaver precinct bonds, 

Lincoln township bonds, . 

Jefferson precinct bonds, . 

City of Santa Fe bonds, . 

Fargo township bonds, 

Stanton county bonds, 

Haskell county bonds, 

Lane county bonds, . 

Vancouver city bonds, 

St. Hyacinthe city bonds, . 

Enterprise city bonds, 

Three Rivers city bonds, . 

Sault Ste. Marie city bonds, 

Springfield, Kan., city bonds, 

Lincoln precinct bonds, 

Anthony township bonds, . 

Spring township bonds, . 

Grant township bonds, 

Sheriden township bonds, 

Ford township bonds, 

Valley township bonds, . 

Newman township drainage bonds, 

Young America township drainage bonds 

Iroquois county drainage bonds, 

Indian Grave drainage bonds, . 

Nelson precinct drainage bonds, 

Nichols precinct drainage bonds, 

North St. Paul village drainage bonds, 

Atkinson village drainage bonds, 

Valentine village drainage bonds, 

Parkdale town drainage bonds, 

City of St. Thomas drainage bonds, 

Town of Windsor, Ontario, drainage bonds, 

City of Kingston, Ontario, drainage bonds, 

City of Belville, Ontario, drainage bonds, 



Cost Value. 

$10,000 00 

2,700 00 

2,250 00 

1,000 00 

26,900 00 

500 00 

3,500 00 

18,000 00 

7,200 00 

80,000 00 

20,000 0.0 

40,000 00 

29,100 00 

14,000 00 

4,300 00 

2,800 00 

4,500 00 

15,000 00 

11,700 00 

10,000 00 

33,000 00 

225,000 00 

30,000 00 

10,000 00 

32,500 00 

20,000 00 

16,000 00 

6,720 00 

2,850 00 

12,350 00 

12,255 00 

1,150 00 

14,700 00 

2,375 00 

7,000 00 

34,500 00 

8,000 00 

34,369 39 

22,000 00 

7,000 00 

22,000 00 

7,000 00 

8,400 00 

74,847 74 

120,003 53 

102,547 03 

51,863 99 

50,000 00 



Market Value. 

$10,000 00 

2,700 00 

2,250 00 

1,000 00 

26,900 00 

500 00 

3,500 00 

18,900 00 

7,560 00 

84,000 00 

20,000 00 

20,000 00 

30,000 00 

14,000 00 

5,000 00 

3,000 00 

4,500 00 

15,000 00 

12,000 00 

10,000 00 

33,000 00 

243,000 00 

30,000 00 

10,000 00 

34,125 00 

21,200 00 

9,600 00 

7,000 00 

3,000 00 

13,000 00 

12,900 00 

1,150 00 

15,000 00 

2,500 00 

7,350 00 

36,225 00 

8,400 00 

27,750 31 

22,000 00 

7,000 00 

23,100 00 

7,000 00 

8,400 00 

74,847 74 

122,403 60 

107,674 38 

53,419 91 

51,500 00 



.ETNA LIFE INSURANCE COMPANY. 



57 



Superior city bonds, 

Young America township drainage bonds, 

New Pankey Pond drainage bonds, 

Brocton drainage bonds, . 

Cote Sainte Antoine bonds, 

Town of Gault bonds, 

Province of New Brunswick bonds, 

City of St. John, N. B , bonds, 

City of Hamilton, Proy. of Ont., bonds, 

City of Halifax bonds, 

City of Sherbrooke, Prov. of Que., bonds, 

Roman Catholic School, Montreal, bonds, 

Protestant School, Montreal, bonds, 

Dickens County bonds, 

Wichita County bonds, 

Lewis County bonds, 

Snohomish County bonds, 

Tarrant County bonds, 

Orange County bonds, 

Duval County bonds, 

Coke County bonds, . 

Roanoke city bonds, . 

Peoria City school scrip, 

Shellsburg school bond, 

Prince Edward Island bonds, 

Town of Glastonbury bonds, 

Wapello County bonds, 

Warren County bonds, 

Cass County bonds, . 

Grant County bonds, 

Clark County bonds, 

Jackson County bonds, 

Jefferson County bonds, 

Birmingham city bonds, 

Stuart city bonds, 

Big Lake drainage bonds, 

Mason & Menard drainage bonds, 

Protestant Hospital for Insane bonds, 

Ains worth precinct bonds, 

Arizona Territory bonds, . 

Karnes County, Tex., bonds, 

Bexar County, Tex., bonds, 

Fort Bend, Tex., bonds, . 

Hamilton County, Tex., bonds, 

Young County, Tex., bonds, 

Peoria County, 111., bonds, 

Hartford City, W. Va., bonds, 

Province of Quebec bonds, 



Cost Value. 

$25,000 00 

9,280 00 

3,000 00 

7,000 00 

98,250 00 

49,125 00 

66,000 00 

49,375 00 

42,400 59 

100,000 00 

72.750 00 

85,000 00 

200,687 60 

21,000 00 

4,000 00 

25,750 00 

25,000 00 

59,210 00 

4,750 00 

4,100 00 

6,500 00 

10,500 00 

110,000 00 

2,700 00 

97,250 00 

8,000 00 

9,400 00 

39,200 00 

4,000 00 

28,500 00 

7,000 00 

15,000 00 

12,000 00 

25,000 00 

3,500 00 

41,000 00 

10,000 00 

74,000 00 

10,550 00 

130,000 00 

20,000 00 

50,000 00 

20,000 00 

12,000 00 

28,000 00 

13,500 00 

2,000 00 

94,899 67 



Market Value. 

$26,250 00 

9,744 00 

3,150 00 

7,350 00 

105,000 00 

52,500 00 

69,300 00 

51,000 00 

43,751 41 

105,000 00 

76,500 00 

87,550 00 

213,150 00 

22,050 00 

4,000 00 

26,250 00 

26,250 00 

61,950 00 

4,987 50 

4,305 00 

6,825 00 

10,500 00 

110,000 00 

2,700 00 

103,000 00 

8,000 00 

10,000 00 

41,160 00 

4,200 00 

29,925 00 

7,210 00 

15,750 00 

12,600 00 

25,000 00 

3,500 00 

43,050 00 

10,500 00 

76,220 00 

10,000 00 

136,500 00 

20,600 00 

51,500 00 

20,600 00 

12,600 00 

29,400 00 

14,175 00 

2,000 00 

105,000 00 



58 



CONNECTICUT GENERAL LIFE INSURANCE COMPANY. 



Van Zandt Co., Tex., bonds, 
Peoria City, 111 , bonds, 
Springfield Street R.R. bonds, . 
Hartford Street R.R. bonds, 
Arizona Improvement Co. bonds, 
Riverside Water Co. bonds, 
Beaver Pond drainage bonds, . 
Worcester & Suburban Street R.R. bonds 
West Toronto, Ca., town bonds, 
Rockville, Conn., city bonds, . 
Hartford County, Conn., bonds, 



Cost Value. 

$ 13,000 00 

255,800 00 

100,000 00 

100,000 00 

19,000 00 

225,000 00 

12,000 00 

25,000 00 

107,000 00 

25,000 00 

28,000 00 



Market Value. 

$13,390 00 

268,590 00 

105,000 00 

102,000 00 

20,000 00 

237,500 CO 

12,600 00 

25,500 00 

107,000 00 

25,750 00 

28,000 00 



$12,528,918 77 $13,191,034 30 



"CONNECTICUT GENERAL LIFE INSURANCE COMPANY," 

HARTFORD, CONN. 

[Incorporated June, 1865. Commenced business October, 1865.] 

Paid-up Capital, $150,000. 

Thomas W. Russell, President. Fred. V. Hudson, Secretary. 



Income. 

Received for premiums on new policies, . 
Received for renewal premiums, .... 
Dividends applied to pay running premiums, . 
Surrender values applied to pay running premiums, 
Surrender values applied to purchase paid-up insurance 

Total, 

Deduct amount paid for reinsurance, 

Total premium income, . 
Received for interest, . . . 
Received for rents of company's property, 
Profit on securities sold, 



Total income, 
Net or ledger assets Dec. 31, 189-1, 



Total, 



$47,376 01 

316,764 62 

6,691 ?8 

2,028 07 

5,828 00 



$378,688 08 
7,529 55 



$371,158 53 

130,929 72 

6,185 11 

192 77 



$508,466 13 
2,569,180 40 



1,077,646 53 



Disbursements. 



Paid for losses, . . . . . 

Paid for matured endowments, .... 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 



$115,558 00 
33,830 27 



$149,388 27 
2,500 00 



$146,888 27 



CONNECTICUT GENERAL LIFE INSURANCE COMPANY. 



59 



Paid to annuitants, 

Premium notes or loans voided by lapse, 

Cash dividends paid policy-holders, . 

Cash dividends applied to pay running premiums, 

Surrender values paid in cash, .... 

applied to pay running premiums, 
applied to purchase paid-up insurance, 



Total paid policy-holders, 

Cash paid for dividends to stockholders, .... 

for commissions to agents, new policies, $20,032.11 

renewals, $15,025.02, ..... 
for salaries and allowances to managers and agents 
for medical examiner's fees, .... 
for salaries of officers and home office employees, 

for taxes on premiums, 

for taxes on investments, $2,840.70 ; on reserves 

$693.90 

for taxes on real estate, ..... 

for fees, licenses, etc., 

for advertising, printing, postage, etc., . 

for legal expenses, 

for real estate expenses (except taxes), . 
for profit and loss, 



Total disbursements, 



Balance, . 
Invested in the following : — 



$75 12 

544 84 

16,923 98 

6,691 38 

29,527 00 

2,028 07 

5,828 00 



$208,506 66 
12,000 00 

35,057 13 

15,875 64 

4,061 50 

21,005 77 

2,026 06 

3,534 60 
3,409 25 

794 32 

11,585 26 

1,149 00 

1,980 21 

222 45 

$321,207 85 



$2,756,438 68 



Assets as per Ledger Accounts 



Cost of real estate, . 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Bills receivable, 

Agents' debit balances, 



Total, 

Deduct agents' credit balances, 



$315,725 27 

1,814,615 35 

5,412 35 

90,770 13 

49,957 21 

457,450 28 

497 28 

21,087 84 

705 00 

314 51 

2,756,535 22 
96 54 



Total net or ledger assets, as per balance, 



. $2,756,438 68 



60 CONNECTICUT GENERAL LIFE INSURANCE COMPANY. 



Other Assets. 

Interest due and accrued, $51,145 90 

Market value of stocks and bonds over cost, .... 16,995 72 

New Business. Renewals. 

Uncollected premiums on poli- 
cies in force $4,900 33 $ 10,794 89 

Deferred premiums on policies 

in force, 9,891 63 52,232 50 

Total,. . . . . $14,791 96 $63,027 39 
Deduct loading (20 per cent), . 2,958 39 12,605 48 

Net amount of uncollected and 

deferred premiums, . . $11,833 57 $50,421 91 

— — _ — — 62,255 48 

Total assets, per company's books, $2,886,835 78 

Items not admitted and Depreciation. 

Agents' debit balances, $314 51 

Bills receivable, ...... 70500 

Depreciation from cost of real estate, . . 49,267 16 

Total, 50,286 67 

Total admitted assets, f 2,836,549 11 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 1 4 per cent.), .... $2,274,761 00 
Deduct net value of reinsured risks, 35,698 00 

Net reserve, $2,239,063 00 

Matured endowments due and unpaid, . . $14,692 09 
Death losses in process of adjustment, . . 14,326 00 

Claims resisted by the company, . . . 6,000 00 

Total policy claims, 35,018 09 

Unpaid dividends of surplus due policy-holders, . . . 1,029 00 

Premiums paid in advance, 1,955 25 

Liabilities as to policy-holders, . . . . . . $2,277,065 34 

Surplus as regards policy-holders, . . . $559,483 77 

Paid-up capital, 150,000 00 

Surplus over capital, 409,483 77 

Gross liabilities, $2,836,549 11 



CONNECTICUT GENERAL LIFE INSURANCE COMPANY. 



61 



Premium Note Account. 

Premium notes on hand Dec. 31, 1894, 
Premium notes received during 1895 (old 
policies), 

Total, 

Used in purchase of surrendered policies, 

Voided by lapse, 

Used in payment of dividends to policy-holders, 
Redeemed by maker in cash, . . ... 

Total, 

Balance note assets Dec. 31, 1895, 



$51,695 85 
5,728 94 


$57,424 79 
7,467 58 


$13 41 

531 43 

733 42 

6,189 32 





,957 21 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1894. 

Total No. Total Amount. 



Whole life, 
Endowment, 
Ail other, . 



Whole life, 
Endowment, 
All other, . 



Number. 

. 4,367 

. 4,099 

24 


Amount. T< 

$6,288,856 00 

4,736,678 00 

89,109 00 


Policies issued 

626 

607 

6 


during the Tear, 

$945,596 00 

790,104 00 

19,000 00 



8,490 $11,114,643 00 



1,239 1,754,700 00 



Whole life, 
Endowment, 



Old Policies revived. 



8 
12 



$15,000 00 
14,107 00 



20 



29,107 00 



Whole life, 
Endowment, 
All other, . 



Old Policies increased. 



11 

6 
1 



$14,000 00 
9,690 00 
5,000 00 



18 



28,690 00 



Total, 9,767 $12,927,140 00 



Policies terminated during the Year. 

Whole life, ... 506 $746,455 00 

Endowment, . . . 471 543,399 00 

All other, .... 7 35,000 00 



984 $ 1,324,854 00 



62 



CONNECTICUT GENERAL LIFE INSURANCE COMPANY. 



By death, . 

maturity, 

expiry, . 

surrender, 

lapse, . 

change and decrease, 
Not taken, . 



How terminated. 

Number. 

68 
94 



3 

196 
398 

18 
207 



Amount. 

$116,943 00 
113,899 00 

15,000 00 
218,993 00 
484,504 00 

81,515 00 
294,000 00 



Total No. 



Total Amount. 



984 $1,324,854 00 



Whole life, 
Endowment, 
All other, 



Policies in Force Dec. 31, 1895. 



4,506 

4,253 

24 



?6,516,997 00 

5,007,180 00 

78,109 00 



8,783 $11,602,286 00 



Mortgage loan, 

Arizona Improvement Company bonds, 
1 share Mudge Shoe Company, 



Schedule A. 

Securities held as Collateral. 

Market Value. 

. . . $500 00 

8,480 00 

100 00 



Amount Loaned. 

|325 00 

5,000 00 

87 35 



Schedule B. 
Stocks and Bonds owned by the 

233 shares New York, New Haven & H R.R. 

100 " N. W. Telegraph Company, . 
40 " Fourth National Bank, N. Y., . 

216 " American National B'k, Hartford 

104 " Phoenix National Bank, Hartford, 
52 " Charter Oak Nat'l Bank, Hartford 
70 " Hartford Nat'l Bank, Hartford, 

100 " First National Bank, Hartford, 
20 " ^Etna National Bank, Hartford, 
12 " Farm and Mech. N'l B'k, Hartford 
24 " City National Bank, Hartford, 
50 " Thames National Bank, Norwich, 
86 " Conn. Trust and Safe Deposit Co. 
50 " Security Company, 

Evansville, Ind., city bonds, 

Indianapolis, Ind., city bonds, 

Cleburne, Tex., city bonds, 

Oak Cliff, Tex., city bonds, 

San Antonio, Tex., city bonds, 

Weatherford, Tex., city bonds, 

Fort Worth, Tex., city bonds, 



1,080 00 f5,412 35 



Company. 

Cost Value. 

$27,593 03 

5,200 00 

4,193 00 

13,538 00 

15,853 00 

6,700 00 

10,625 00 

13,978 25 

2,373 50 

2,250 67 

2,790 00 

6,850 00 

8,428 00 

4,750 00 

16,353 95 

24,500 00 

7,070 00 

5,200 00 

11,050 00 

10,200 00 

4,950 00 



Market Value. 

f41,940 00 

5,250 00 

7,600 00 

15,120 00 

12,480 00 

4,680 00 

10,150 00 

11,200 00 

2,900 00 

1,344 00 

2,472 00 

7,250 00 

14,104 00 

6,000 00 

16,150 00 

25,250 00 

7,560 00 

5,350 00 

11,000 00 

10,400 00 

5,000 00 



THE CONNECTICUT MUTUAL LIFE INSURANCE COMPANY. 63 



Gainesville, Tex., city bonds, 

Greenville, Tex., city bonds, 

Superior, Wis., bonds, 

Fremont, Neb., bonds, 

Norwich, Kan , bonds, 

Huron, So Dakota, bonds, 

Mechlenburg County, N. C., bonds, 

Henderson County, N. C, bonds, 

Clallam County, Wash., bonds, 

Colbert County, Ala , bonds, . 

Pekin and La Marsh, Peoria County, bonds, 

Lyon County, la., bonds, . 

Cowley County, Kan., bonds, . 

Pawnee County, Kan., bonds, . 

Mason and Tazewell, 111., bonds, 

Wildcat, Champaign County, 111., bonds, 

Big Slough, Champaign Count} 7 , 111., bonds, 

Lima Lake, Adams County, 111., bonds, . 

Indian Grave, Adams County, 111., bonds, 

Clay County, Minn., bonds, 

Skagit County, Wash., funding bonds, . 

Arizona Territorial funding bonds, . 

Clay School Township, Ind., bonds, 

Oxford School Township, Kan., bonds, . 

Todd County, Minn., school district bonds, 

Anderson, Ind., Electric Street Ry. bonds, 

Denver Union Water Company bonds, . 

Southwestern Irrigation Company bonds, 

Arizona Canal Company bonds, 

Arizona Improvement Company bonds, . 

Garden City Irrigation Company bonds, . 

Lake Shore & Michigan Southern R.R. bonds 

Terre Haute & Logan sport R.R. bonds, . 

Valley Railroad, Ohio, bonds, . 

N. Y., New Haven & Hart. R.R. certificates, 



Cost Value. 

|5,150 00 
5,175 00 
9,800 00 
4,060 00 
2,625 00 
1,500 00 

10,610 00 

10,900 00 
5,000 00 
5,362 50 
5,075 00 
5,000 00 

10,250 00 
5,000 00 
5,346 50 

15,375 00 

10,150 00 

13,000 00 
5,044 00 

11,375 00 
5,350 00 

15,000 00 
1,000 00 
5,000 00 
1,600 00 
5,000 00 

14,000 00 
5,000 00 

10,000 00 
4,750 00 
5,500 00 
5,089 38 

10,000 00 

10,462 50 
9,454 00 



Market Value. 

$5,400 00 
5,300 00 

10,000 00 
4,000 00 
2,950 00 
1,500 00 

11,200 00 

10,900 00 
5,250 00 
5,350 00 
5,100 00 
2,500 00 

10,600 00 
5,300 00 
5,250 00 

15,300 00 

10,000 00 

13,650 00 
5,200 00 

12,000 00 
5,250 00 

15,300 00 
1,000 00 
5,300 00 
1,632 00 
5,000 00 

13,500 00 
2,500 00 

10,700 00 
5,300 00 
3,000 00 
5,940 00 

11,000 00 
6.290 00 

12,784 00 



$457,450 28 $474,446 00 



"THE CONNECTICUT MUTUAL LIFE INSURANCE COMPANY," 

HARTFORD, CONN. 

[Incorporated June 15, 1846. Commenced business Dec. 15, 1846.] 

Jacob L. Greene, President. Edward M. Bunce, Secretary. 

Income. 

Received for premiums on new policies, $356,621 97 

Received for renewal premiums, ...... 3,019,653 12 

Dividends applied to pay running premiums-, . . . 1,085,237 99 



64 THE CONNECTICUT MUTUAL LIFE INSURANCE COMPANY. 



Surrender values applied to pay running premiums, 
Surrender values applied to purchase paid-up insurance and 
annuities, ....... 

Total premium income, .... 
Received for interest, 

as discount on claims paid in advance, 

for rents of company's property, 
Premium notes or loans restored, 

Profit on securities sold, 

Profit and loss, 

Total income, ...... 

Net or ledger assets Dec. 31, 1894, . 

Total, 

Disbursements. 

Paid for losses, 

Paid for matured endowments, 

Gross amount paid for losses and endowments, 
Premium notes or loans voided by lapse, 
Dividends paid policy-holders, ...... 

Dividends applied to pay running premiums, . 

Surrender values paid, 

applied to pay running premiums, 
applied to purchase paid-up insurance an< 
annuities, 

Total paid policy-holders, 

Cash paid for commissions and bonuses to agents, new poli 
cies, 895,667.80 ; renewals, $2-47,916.93, 

for salaries and allowances to managers and agents 

for medical examiner's fees, .... 

for salaries of officers and home office employees 

for taxes on new premiums, $2,245.27 ; on renew- 
als, $23,787.89, 

for taxes on investments, $149,254.41 ; on reserves 
$10,715.13, 

for taxes on real estate, . 

for fees, licenses, etc., 

for rent, 

for advertising, printing and postage, 

for legal expenses, .... 

for real estate expenses (except taxes), 

for incidentals, 

for depreciation of real estate, 

Total disbursements, 



$31,777 72 


188,138 


49 


. f4,681,429 


29 


. 2,864,674 


19 


4,506 


18 


228,325 


32 


1,201 


75 


8,306 


94 


5,962 


40 


. $7,794,406 


13 


. 60,546,398 


•M] 



Balance, 



$68,340,804 49 



^3,898,560 70 
483,830 00 



£4,382,390 70 

3,504 00 

157,709 94 

1,085,237 99 

433,759 59 

31,777 72 

188,138 49 



.,282,518 43 

343,584 73 

24,516 46 

24,510 56 

141,612 24 

26,033 16 

159,969 54 

119,747 79 

8,938 50 

7,185 62 

69,852 89 

21,709 13 

112,205 57 

34,399 23 

200,000 00 



',576,783 85 



,764,020 64 



THE CONNECTICUT MUTUAL LIFE INSURANCE COMPANY. 65 



Invested in the following : — 

Assets as per Ledger Accounts 
Value of real estate, 



Loans on mortgage of real estate (first liens), 
Loans on collateral security (schedule A), 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash deposited in bank, 

Bills receivable, 

Agents' debit balances, 



Total net or ledger assets, as per balance, 



$7,679,481 68 

36,080,328 53 

12,300 00 

1,160,955 66 

14,077,011 83 

1,748,851 67 

2,782 50 

2,308 77 



,764,020 64 



Other Assets. 
Interest due and accrued, 1,056,582 84 



Rents due and accrued, 

Market value of stocks and bonds over cost, . 

New Business. 

Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, 



37,588 90 
591,834 17 



$12,279 92 
42,051 32 



Total, 

Deduct loading (20 per cent ), 

Net amount of uncollected and 
deferred premiums, 



$54,331 24 
10,866 25 



Renewals. 

$43,030 22 

244,286 38 

$287,316 60 
57,463 32 



$43,464 99 $229,853 28 



273,318 27 



Total assets, per company's books, . 

Items not admitted. 

Agents' debit balances, 
Bills receivable, 

Total, 



,723,344 82 



Total admitted assets, 
Deduct special deposit in Canada, 



Balance, 



52,308 77 
2,782 50 



5,091 27 



$62,718,253 55 
100,000 00 



$62,618,253 55 



Liabilities. 



Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . $53,166,796 00 
Death losses due and unpaid, .... $17,418 50 
Matured endowments due and unpaid, . . 11,473 00 
Death losses in process of adjustment, . . 138,368 00 
Claims resisted by the company, . . . 63,006 00 

Total policy claims, 230,265 50 



66 THE CONNECTICUT MUTUAL LIFE INSURANCE COMPANY. 

Unpaid dividends of surplus due policy-holders, . . . $ 575,444 08 

Premiums paid in advance, 39,077 94 

Reserve on cancelled policies, 80,620 00 

Reserve on lapsed policies, 246,268 00 

Liabilities as to policy-holders, $54,338,471 52 

Deduct liabilities on special deposits, 100,000 00 



154,238,471 52 
Surplus as regards policy-holders, 8,379,782 03 



Gross liabilities, ....... §62,6 18,253 55 

Premium Note Account. 

Premium notes on hand Dec. 31, 1894, . . $1,259,444 15 

Premium notes restored by revival of policies, 1,201 75 

Total, $1,260,645 90 

Used in payment of losses and claims, . . $28,200 35 

Used in purchase of surrendered policies, . 15,185 79 

Voided by lapse 3,504 00 

Used in payment of dividends to policy-holders, 42,817 20 

Redeemed by maker in cash, .... 9,982 90 

Total, — 99,690 24 



Balance note assets Dec. 31, 1895, $1,160,955 66 

Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1894. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 60,336 $144,476,031 00 

Endowment, . . . 5,643 12,210,840 00 

_ — „ 65,979 $156,686,871 00 

Policies issued during the Year. 

Wh©le life, . . . 3,806 $9,812,472 00 
Endowment, . . . 622 1,483,788 00 



4,428 11,296,260 00 



Old Policies revived. 

Whole life, ... 47 $111,90000 

Endowment, ... 2 15,000 00 



49 126,900 00 



Old Policies increased. 
Whole life, ... - $70,122 00 

Endowment, ... 1 25,243 00 



95,365 00 



Total, 70,457 $168,205,396 00 



THE CONNECTICUT MUTUAL LIFE INSURANCE COMPANY. 67 



Whole life, 
Endowment, 



Policies terminated during the Year. 

Number. Amount. Total No. 

. 3,365 $9,024,802 00 
486 1,138,538 00 



Total Amount. 



3,851 $10,163,340 00 



By death, . 

maturity, 

surrender, . 

lapse, . 

change and decrease, 
Not taken, . 



How terminated. 

1,560 $3,916,889 00 

248 483,390 00 

695 1,543,091 00 

1,128 2,592,100 00 

1 1,031,995 00 

219 595,875 00 



3,851 $10,163,340 00 



Policies in Force Dec. 31, 1895. 
Whole life, . . . 60,824 $145,445,723 00 

Endowment, . . . 5,782 12,596,333 00 

66,606 $158,042,056 00 



Schedule A. 
Securities held as Collateral. 

Market Value. 

17 shares N.Y., New Haven & Hartford R.R., $3,009 00 

100 shares iEtna Insurance Company, . . 26,700 00 



Loaned Thereon. 

$2,300 00 
10,000 00 



$29,709 00 $12,300 00 



Schedule B. 

Stocks and Bonds owned by the 



United States currency, 

State of Tennessee (settlement), 

City of Jackson, Mich., water bonds, 

City of Louisville, Ky., bonds, 

City of Mobile, Ala., bonds, 

City of Milwaukee, Wis., bonds, 

City of Milwaukee, Wis., water bonds, 

City of Quincy, 111., bonds, 

City of Galveston, Tex , bonds, 

City of Austin, Tex., bonds, 

City of Denver, Col., bonds, 

City of Montreal, Can., bonds, 

City of Muncie, Ind., bonds, 

City of Omaha sewer bonds, 

City of Omaha paving bonds, 

City of San Antonio, Tex., bonds, 

City of Duluth, Minn., bonds, . 



Company. 

Cost Value. 

$99,125 00 

19,200 00 

45,000 00 

125,339 06 

87,500 00 

55,000 00 

123,500 00 

140,634 52 

100,000 00 

39,000 00 

180,900 00 

100,031 25 

15,468 75 

102,250 00 

58,575 00 

31,800 00 

133,125 00 



Market Value. 

$ 104 ,000 00 

16,320 00 

50,000 00 

134,500 00 

83,125 00 

64,900 00 

153,400 00 

140,000 00 

100,000 00 

40,000 00 

180,000 00 

100,000 00 

15,000 00 

103,000 00 

57,200 00 

32,700 00 

135,000 00 



68 THE CONNECTICUT MUTUAL LIFE INSURANCE COMPANY. 



City of St. Paul, Minn., water bonds, 
City of Pueblo, Col., water bonds, . 
City of Seattle, Wash., bonds, . 
County of Leavenworth, Kan., bonds, 
County of Allen, Ind., bonds, . 
County of Hancock, Ohio, Court House bonds 
County of Wyandotte, Kan., bonds, . 
Province of Quebec currency, . 
Brooklyn Wharf & Warehouse Co. bonds, 
Cleve., Chic, Cinn. & St. Louis R.R. bonds, 
Eastern & Amboy R.R. bonds, 
Long Dock Company bonds, . 
Baltimore & Ohio R.R., Parkersburg br. bonds 
C, B. & Q. R.R., Missouri River bonds, . 
Chicago, St. Louis & New Orleans R.R. bonds 
Chicago & Western Indiana R.R. bonds, . 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Chicago & Erie R R. bonds, 
Central Union Depot & R'y Co., Cinn , bonds 
Dayton & Michigan Railroad bonds, 
Detroit, Lansing & Northern Railroad bonds 
Harlem River & Port Chester Railroad bonds 
Lehigh Valley Railroad bonds, 
Michigan Central Railroad bonds, . 
Mich. Cen. R R., Detroit & Bay City br. bonds 
Y. Y., Lake Erie & Western R.R , Erie consols 
Northern Pacific Railroad bonds, 
St. Louis Cable & Western Railroad bonds, 
St. Paul & Northern Pacific Railroad bonds, 
St. Joseph Terminal Railroad bonds, 
Vermont Valley Railroad bonds, 
Wabash Railroad consols, 
Philadelphia & Reading Railroad bonds, 
Terminal Railway Asso of St. Louis bonds, 
Manhattan Railway Co , consol. mortgage, 
N. Y., New Haven & Hart. R.R. debentures, 
130 shares First National Bank, Hartford, 



25 

294 
10 
80 
40 

300 

400 
2,000 

500 



iEtna National Bank, Hartford, 
Phoenix National Bank, Hartford 
Charter Oak Nat'l Bank, Hartford 
City Bank, Hartford, . 
State Bank, Hartford, . 
Conn. Trust & Safe Dep. Co. Hart 
N. Y., New Haven & Hart R.R., 
Conn. & Pass. Rivers R R., . 
Massawippi Valley Railroad, 



Cost Value. 

$132,370 00 

79,312 50 

206,000 00 

99,580 00 

2,070 00 

76,797 50 

86,437 50 

15,468 75 

613,975 00 

536,675 30 

273,125 00 

391,607 50 

269,375 00 

124,233 05 

776,562 50 

1,052,884 42 

320,712 08 

329,958 33 

250,000 00 

210,575 00 

121,752 50 

600,000 00 

1,071,485 17 

102,125 00 

424,068 75 

198,574 42 

507,500 00 

107,325 00 

374,002 50 

350,000 00 

301,500 00 

153,739 23 

1,025,000 00 

336,250 00 

693,750 00 

15,817 25 

13,000 00 

2,500 00 

40,710 25 

1,055 00 

8,000 00 

4,195 00 

30,000 00 

40,493 75 

200,000 00 

50,000 00 



Market Value. 

f 131,440 00 

82,500 00 

204,000 00 

100,000 00 

2,000 00 

75,000 00 

78,750 00 

15,000 00 

591,000 00 

553,350 (0 

272,500 00 

423,800 00 

295,000 00 

127,0£0 00 

900,000 00 

1,050,250 00 

348,210 00 

322,500 00 

250,000 00 

221,400 00 

65,000 00 

612,000 00 

1,189,220 00 

106,000 00 

468,000 00 

214,675 00 

585,000 00 

102,960 00 

387,600 00 

350,000 00 

307,500 00 

146,640 00 

1,050,000 00 

350,000 00 

727,500 00 

21,488 00 

14,040 00 

3,500 00 

32,928 00 

900 00 

8,000 00 

4,000 00 

48,000 00 

71,000 00 

200,000 00 

50,000 00 



$14,077,011 83^14,668,846 00 



THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. 69 



" THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE UNITED 
STATES," NEW YORK, N. Y. 

[Incorporated July 26, 1859. Commenced business July 28, 1859.] 

Paid-up Capital, $100,000. 

Henry B. Hyde, President. William Alexander, Secretary. 

Income. 

Received for premiums on new policies, . . . . . $3,550,821 25 

Received for renewal premiums, 29,374,219 73 

Dividends applied to purchase paid-up additions and annui- 
ties, 708,034 37 

Surrender values applied to purchase paid-up insurance and 

annuities, ' 2,039,443 00 

Received for annuities, . . 529,131 63 



Total, . 

Deduct amount paid for reinsurance, 

Total premium income, 
Received for interest, .... 
Received for rents of company's property, 
Profit on securities sold, .... 



Total income, . 
Net or ledger assets Dec. 31, 1894, . 



$36,201,649 98 

985 22 

$36,200,664 76 

. 6,520,687 76 

. 1,196,212 22 

78,878 15 



$44,296,442 89 
178,860,261 37 



Total, 



$223,156,704 26 



Disbursements. 

Paid for losses and additions, 

for matured endowments and additions, . 
on matured instalment policies, 

Gross amount paid for losses and endowments, 

Paid to annuitants, . 

Cash dividends paid policy-holders, 

Cash dividends applied to purchase paid-up additions 

annuities, . . , . . . . 
Surrender values paid in cash, «... 

Surrender values applied to purchase paid-up insurance 

annuities, 



f 11,42 1,282 75 

720,206 25 

6,798 51 



$12,151,287 51 

406,612 08 

. 1,294,919 86 



and 



. . 708,034 37 
. 2,968,002 87 



and 



. 2,039,443 00 



$19,568,299 69 
7,000 00 



Total paid policy-holders, 

Cash paid for dividends to stockholders, . 

for commissions and bonuses to agents, new poli- 
cies, $1,759,198.30 ; renewals, $2,153,492.99, . 3,912,69129 
for salaries and allowances to managers and 

agents, 194,163 74 



70 THE EQUITABLE LITE ASSURANCE SOCIETY OF THE U. S. 



Cash paid for medical examiner's fees and inspections, 

for salaries of officers and home office employees, 

for taxes on premiums, 

for taxes on reserves, 

for taxes on real estate, 

for fees, licenses, etc., 

for rent, , 

for commuting commissions, 

for advertising, printing and postage, 

for legal expenses, .... 

for furniture and office fixtures, 

for real estate expenses (except taxes), 

loss on sales of property, 

for incidentals, . 

Profit and loss account, 

Real estate sinking fund, 



$257,145 46 
604,183 79 
213,169 71 

12,975 02 
244,097 97 

16,004 41 
295,040 57 
597,855 34 
416,874 49 
179,751 17 

15,243 24 

757,386 86 

8,555 55 

326,724 47 

64,922 66 
1,500,000 00 



Total disbursements, . 

Balance, ........ 

Invested in the following : — 

Assets as per Ledger Accounts 

Value of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on collateral security (schedule A), 
Book value of stocks and bonds owned (schedule B), 
Cash in company's office and in transit (since received) 

deposited in banks and trust companies, 

deposited in foreign countries, 

Commuted commissions, 

Agents 1 ledger balances, 

Total ledger assets, as per balance, . 

Other Assets. 
Interest due and accrued, ....... 

Rents due and accrued, 

Market value of stocks and bonds over book, . 

New Business. Renewals. 

Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, 

Total, 

Deduct loading (20 per cent.),. 

Net amount of uncollected and 
deferred premiums, 

Total assets, per company's books, . 



129,192,085 43 



$193,964,618 83 



$40,884,058 80 

27,194,562 12 

2,615,500 00 

107,380,798 37 

1,567,978 66 

12,035,546 85 

1,033,957 00 

784,505 61 

467,711 42 



$524,004 00 $1,252,896 
228,014 00 2,295,574 



$193,964,618 83 

331,268 74 

179,802 64 

. 3,093,307 63 

00 
00 



$752,018 00 
150,404 00 


$3,548,470 00 
709,694 00 


$601,614 00 


$2,838,776 00 

3 a\(\ son oo 







$201,009,387 84 



THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. 71 



Items not admitted and Depreciation. 

Commuted commissions, $784,505 61 

Agents' ledger balances, 467,711 42 

Total 



Total admitted assets, 

Deduct special deposits in other States, 



Balance, 



,252,217 03 



$199,757,170 81 
12,415,882 00 

$187,341,288 81 



Liabilities. 



Computed premium reserve or net present value of all out- 



standing policies (actuaries' 4 per cent.), 
Present value of unpaid instalments, 
Death losses due and unpaid, . 
Matured endowments due and unpaid, 
Death losses in process of adjustment, 
Claims resisted by the company, 
Due and unpaid on annuity claims, . 

Total policy claims, . 
Unpaid dividends of surplus due policy-holders, 

Liabilities as to policy-holders,. 
Deduct liabilities on special deposits, 



$158,810,429 00 
80,819 00 



$195,389 00 
33,313 93 

1,149,451 00 

58,725 00 

7,410 18 



1,444,289 11 
88,567 00 

,424,104 11 
12,403,757 00 



$148,020,347 11 
Surplus as regards policy-holders, . . $39,320,941 70 
Paid-up capital, . . . . . . . . 100,000 00 

Surplus over capital, . . . . . . 39,220,941 70 



Gross liabilities, 



$187,341,288 81 



Exhibit of Policies. 
Policies and Additions in Force Dec. 32, 1894. 

Total No. Total Amount 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Number. Amount. 

235,504 $758,671,183 00 

43,149 143,741,737 00 

. 2,924 4,645,716 00 

6,498,097 00 



281,577 $913,556,733 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

33,744 $98,910,524 00 
. 8,408 25,350,940 00 
. 614 1,503,755 00 
■ 42,766 



125,765,219 00 



72 THE EQUITABLE LIFE ASSUKANCE SOCIETY OF THE U. S. 



Whole life, 
Endowment, 
All other, . 

Additions by dividends, 
Total, 



Old Policies revived 

No. Amount. 

1,123 $4,304,570 00 

255 782,160 00 

14 33,900 00 



Total No. 



1,392 



Total Amount. 



$5,120,630 00 
1,192,681 00 



325,735 $1,045,635,263 00 



Policies terminated during the Year. 

Whole life, . . . 31,512 $109,053,992 00 
Endowment, . . . 6,186 21,207,381 00 
All other, 559 2,864,337 00 





38,257 


$133,125,710 00 




How terminated. 


By death, . 


. 3,160 


$11,853,943 00 


maturity, 


248 


739,072 00 


expiry, . 


233 


800,372 00 


surrender, . 


. 11,028 


38,576,377 00 


lapse, . 


. 16,525 


48,084,435 00 


Not taken, . 


. 7,063 


33,071,511 00 



38,257 133,125,710 00 



Policies in Force Dec. 31, 1895. 

Whole life, . . . 238,859 $752,832,285 00 

Endowment, . . . 45,626 148,667,456 00 

All other, .... 2,993 4,461,131 00 

Reversionary additions, . - 6,548,681 00 

— 287,478 $912,509,553 00 



Schedule A. 
Securities held as Collateral. 

Market Value. 

Western Union Telegraph stock, . . . $784,125 00 

Baltimore & Ohio R.R. stock, . 

Pittsburgh & Western R'y stock, 

United States Express Co. stock, 

Southern Pacific of California bonds, 

Texas & New Orleans bonds, . 

Galveston, Harrisburg & San Antonio bonds, 

Austin & Northwest bonds, 

Southern Pacific of Arizona bonds, . 

Illinois Central R.R. bonds, 

Wells, Fargo & Co. Express stock, . 

Westinghouse Electric and Manuf. Co. stock, 

Western National Bank stock, . 

Mercantile Trust Co. stock, . , 



179,750 00 
37,500 00 
30,000 00 
45,000 00>i 
47,000 00 
45,500 00 
22,250 00 )- 
24,125 00 
50,000 00 
95,000 00 J 

133,750 00 
10,170 00 
19,250 00 



Amount Loaned. 

$800,000 00 
50,000 00 



250,000 00 



100,000 00 
5,500 00 
5,000 00 



THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. 73 



Evansville & Terre Haute R.R. stock, 
Louisville, Evansville & St. Louis bonds, 
Peoria, Decatur & Evansville bonds, 
Louisville, Evansville & St. Louis bonds, 
Ohio Valley first mortgage bonds, . 
Pittsburgh, Cleveland & Toledo bonds, . 
Union Stock Yard bonds, .... 
Chesapeake & Ohio bonds, 
National Bank of Denver stock, 
Pittsburgh & Western R'y Co. bonds, 
Chicago & Northwest R.R. bonds, . 
New York Central R.R. stock, . 
Pitts., McKeesport & Youghiogheny R.R. stock, 
Michigan Central R.R. stock, . 



Schedule B. 



Market Value. 

$42,218 00^ 
7,000 00 | 
2,400 00 } 
1,430 00 | 
3,200 00 j 
315,000 00 ( 
150,000 CO S 
128,475 00 
312,500 00 
112,500 00 
130,400 00 >j 



Amount Loaned. 



$40,000 00 



325,000 00 

100,000 00 

250,000 00 

90,000 00 



244,375 00 \ 



260,000 00 
95,500 00 J 



} 600,000 00 



$3,328,418 00 $2,615,500 00 



Stocks and Bonds owned by the Company. 



Atlantic Avenue bonds, . 
Broadway & Seventh Avenue R R. bonds 
Broadway Surface R R. bonds, 
Brooklyn City & Newtown R.R bonds, 
Boston & Maine R R. bonds, . 
St Paul R R. bonds, .... 
Chicago, Burl. & Quincy R.R. bonds, 
Northwest R.R. bonds, 
Columbus, Sandusky & Hocking R'y certs , 
Central of Georgia R.R. bonds, 
Central of New Jersey R.R. bonds, . 
American Dock & Improvement Co. bonds, 
Columbus & Ninth Avenue bonds, . 
Chicago, St. Paul, Minn & Omaha R.R. bonds 
Chicago & Western Indiana R R. bonds, 
Chicago, St Paul & Minneapolis R.R. bonds, 
Rock Island R R. bonds, .... 
Chicago & Eastern Illinois bonds, . 
Canada Southern R R. bonds, . 
Cleveland, Cinn., Chicago & St. Louis R.R. 
Cleveland, Col., Cinn. & Indianapolis R.R., 
Indianapolis & St. Louis R R., . 
Cinn., Ind'polis, St. Louis & Chic. R.R. bonds 
Central Park, North & East River bonds, 
Chesapeake & Ohio R.R. bonds, , 
Richmond & Allegheny bonds, 
Albany & Susquehanna R.R. bonds, 
Delawan & Hudson R.R. bonds, 



Book Value. 

$464,087 00 

85,218 00 

12,840 00 

349,000 00 

58,375 00 

4,718,441 00 

9,013,849 00 

7,619,027 00 

250,000 00 

1,437,363 00 

101,343 00 

79,654 00 

241,818 00 

1,037,367 00 

267,667 00 

166,232 00 

1,825,821 00 

23,150 00 

924,952 00 

1,236,410 00 

962,714 00 

171,625 00 

487,500 00 

103,959 00 

2,129,587 37 

230,771 00 

2,172,008 00 

485,947 00 



Market Value. 

$472,775 00 

84,563 00 

13,140 00 

397,860 00 

59,500 00 

4,786,303 00 

9,041,405 00 

8,017,648 00 

250,000 00 

1,526,000 00 

100,125 00 

79,875 00 

245,210 00 

1,134,195 00 

283,200 00 

165,120 00 

1,790,175 00 

22,600 00 

939,075 00 

1,255,995 00 

1,035,400 00 

180,000 00 

497,500 00 

102,600 00 

2,105,958 00 

236,250 00 

2,191,340 00 

486,180 00 



74 THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. 



Morris & Essex R R. bonds, . 

New York, Lackawanna & Western Railroad, 

New York, Lake Erie & Western Railroad, 

Erie Railroad bonds, .... 

Flint & Pere Marquette Railroad, . 

Fitchburg Debenture, .... 

Great Northern Railroad, .... 

Western Lines, Illinois Central Railroad, 

Chicago, St. Louis & New Orleans Railroad, 

Kentucky Central Railroad, 

Mobile & Montgomery Railroad, 

St Louis Div., Louisville & Nashville R.R., 

Memphis & Ohio Railroad, 

Lexington Ave. & Pavonia Ferry Railroad, 

Pittsburgh & Lake Erie Railroad, . 

Lake Shore & Mich. Southern R.R. bonds, 

Cincinnati & Springfield R.R. bonds, 

Detroit, Monroe & Toledo R.R. bonds, 

Lehigh Valley Terminal R.R. bonds, 

Louisville, New Albany & Chicago R.R. bonds 

Manhattan R.R. bonds, .... 

Metropolitan Elevated R.R. bonds, , 

Milwaukee, Lake Shore & Western R.R. bonds 

Missouri Pacific R.R. bonds, . . . 

Pacific of Missouri R.R. bonds, 

International & Great Northern R.R. bonds, 

Michigan Central R.R. bonds, . 

Jackson, Lansing & Saginaw R.R. bonds, 

New York Central R.R bonds, 

West Shore Registered R.R. bonds, . 

Pine Creek Registered R.R. bonds, . 

Rome, Watertown & Ogdensburg R.R. bonds, 

New York Elevated RR bonds, 

New York, Chicago & St. Louis R.R. bonds, 

New York, Ontario & Western R.R. bonds, 

Northern Pacific R.R. bonds, . 

James River Valley R.R. bonds, 

Newark, Somerset & Straitsville R.R. bonds, 

Oregon Railway & Navigation Co. bonds, 

Ohio & Mississippi Railroad, . 

Old Colony R.R. bonds, 

Peoria & Pekin Union Railroad, 

Pittsburgh & Western R.R. bonds, . 

Pittsburgh, Painesville & Fairport R.R. bonds 

Pennsylvania R R. bonds, 

Pitts., Cinn., Chic. & St. Louis RR. bonds 

Pitts., Cincinnati & St. Louis R.R. bonds, 

Allegheny Valley Railroad bonds, . 



Book Value. 

£2,074,778 00 

2,334,984 00 

1,647,380 00 

1,868,051 00 

33,000 00 

503,750 00 

553,237 00 

629,002 00 

490,000 00 

355,825 00 

522,500 00 

199,200 00 

28,562 00 

263,794 00 

1,064,500 00 

1,069,391 00 

96,824 00 

12,700 00 

1,080,000 00 

104,454 00 

1,515,183 00 

954,489 00 

18,235 00 

712,892 00 

464,085 00 

440,240 00 

963,306 00 

196,650 00 

198,606 00 

1,000,000 00 

253,612 00 

425,215 00 

449,550 00 

193,000 00 

493,500 00 

1,726,227 0() 

84,092 00 

112,612 00 

313,389 00 

457,807 00 

510,618 00 

267,031 00 

758,707 00 

146,500 00 

1,019,940 00 

1,005,000 00 

203,502 00 

319,509 00 



Market Value. 

$2,295,250 00 

2,384,800 00 

1,419,800 00 

1,857,790 00 

30,525 00 

503,750 00 

558,000 00 

641,580 00 

500,000 00 

382,700 00 

522,500 00 

198,400 00 

28,000 00 

267,810 00 

1,120,000 00 

1,061,675 00 

96,600 00 

12,700 00 

1,130,000 00 

100,000 00 

1,552,200 00 

956,930 00 

17,640 00 

657,500 00 

466,140 00 

462,000 00 

966,420 00 

195,700 00 

196,500 00 

1,042,500 00 

267,500 00 

425,415 00 

471,700 00 

189,625 00 

533,175 00 

1,780,640 00 

40,500 00 

112,613 00 

215,000 00 

453,680 00 

510,618 00 

271,080 00 

745,500 00 

147,000 00 

1,130,000 00 

1,075,000 00 

202,270 00 

319,800 00 



THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. 75 



Pitts., McKeesport & Youg'eny R.R. bonds, 

Phil. & Reading sinking fund, . 

Rochester & Pittsburg R.R., 

South Ferry bonds, . 

St. Louis & San Francisco certs , 

St. Louis & Iron Mountain R R. bonds, 

Second Avenue debenture, 

St. Louis Terminal bonds, 

St. Paul, Minn. & Manitoba R.R. bonds, 

Will mar & Sioux Falls Railroad, 

Virginia Midland bonds, . 

Sandusky, Mansfield & Newark R.R. 

Texas & Pacific Railroad, 

Union Pacific R.R. bonds,. 

Union Pacific R'y subscription, 

Wabash bonds, . 

Wheeling & Lake Erie Railroad, 

Quebec City bonds, . 

Toronto debentures, . 

Montreal debentures, 

Elizabeth City bonds, 

Newark City bonds, . 

United States bonds, . 

Western Union Telegraph bonds, 

Laclede gas bonds, . 

Standard gas bonds, . 

Equitable gas bonds, 

Baltimore gas bonds, 

Western Transit Co. bonds, 

Westinghouse Electric Co., 

International Navigation Co., 

Northwestern Telegraph bonds, 

Russian government bonds, 

Southwestern Railway bonds, 

Rezan Ural Railway bonds, 

Kursk Kieff Railway bonds, 

Orenburg Railway bonds, 

Kieff Veronesh bonds, 

Southeastern Railway bonds, 

Nobles 1 State Land Bank bonds, 

Prussian government bonds, 

Italian government rentes, 

German bonds, . 

German imperial loan, 

Swedish government bonds, 

Swiss government bonds, 

Wurtemberg bonds, 

Cape of Good Hope government bonds, 



Book Value. 

$951,250 00 
487,500 00 
118,000 00 
155,000 00 
150,000 00 
2,760,705 00 
128,437 00 
384,000 00 
1,213,464 00 
495,000 00 
248,858 00 
156,251 00 
307,602 00 
793,901 00 

82,500 00 

1,035,500 00 

110,833 00 

97,271 00 
286,890 00 
673,953 00 
342,940 00 
267,500 00 
968.800 00 
1,798,640 00 
209,593 00 
466,250 00 
270,200 00 
311,182 00 
517,340 00 
356,250 00 
102,500 00 

81,535 00 
315,316 00 
110,970 00 
277,061 00 

71,955 00 

20,324 00 
101,967 00 
180,120 00 

12,649 00 
426,976 00 
507,046 00 

24,368 00 
415,243 00 

93,924 00 

19,237 00 
109,748 00 

51,847 00 



Market Value. 

$977,500 00 
492,500 00 
119,000 00 
162,000 00 
150,000 00 

2,640,860 00 
130,000 00 
400,000 00 

1,306,620 00 
515,000 00 
248,858 00 

156.251 00 
282,625 00 
824,755 00 

82,500 00 
1,037,500 00 
110,250 00 
103,089 00 
309,885 00 
695,593 00 
342,950 00 
297,500 00 
869,000 00 
1,840,470 00 
233,125 00 
522,500 00 
288,650 00 
319,500 00 
522,500 00 
356,250 00 
102,500 00 

81,535 00 
369,232 00 
117,195 00 
282,357 00 

73,477 00 

21,290 00 
104,051 00 
180,314 00 

12,650 00 
488,078 00 

517.252 00 
24,627 00 

475,969 00 
95,514 00 
20,000 00 

108,044 00 
56,920 00 



76 



THE GERMANIA LIFE INSURANCE COMPANY. 



Transvaal, 

Brazilian government bonds, 

South Australian government bonds 

Hungarian government bonds, 

Servian government bonds, 

City of Lawrence bonds, . 

City of Woonsocket bonds, 

Virginia State bonds, 

City of Manchester bonds, 

City of Somerville bonds, 

City of Brockton bonds, . 

City of Lynn bonds, 

City of Milwaukee bonds, 

Pennsylvania stock, . 

Mercantile Trust stock, 

Cleveland, Cin., Chic. & St. Louis stock 

Chicago, Rock Island & Paciiic stock, 

Missouri Pacific stock, 

Chic, St. Paul, Minn. & Omaha stock, 

Michigan Central stock, . 

Chicago & Northwestern stock, 

Illinois Central stock, 

St. Paul, Minn. & Manitoba stock, . 

Chicago, Milwaukee & St. Paul stock, 

Chicago, Burlington & Quincy stock, 

Baltimore & Ohio stock, . 

Rome, Watertown & Ogdensburg stock, 

Delaware & Hudson Canal stock, . 

Western National. Bank stock, . 

Western Union Telegraph stock, 

Lake Shore & Michigan Southern stock, 

Manhattan stock, .... 

Chicago & Alton stock, 

New York Central & Hudson River stock, 

Westinghouse Electric & Mfg. Co. stock, 



Book Value. 

$48,747 00 

111,884 00 

43,854 00 

100,325 00 

21,421 00 

198,762 00 

115,912 00 

11,371 00 

242,809 00 

310,060 00 

178,500 00 

223,340 00 

324,387 00 

580,045 00 

2,176,964 00 

1,492,481 00 

1,290,699 00 

602,063 00 

143,119 00 

970,718 00 

725,024 00 

1,131,230 00 

280,523 00 

1,673,728 00 

503,638 00 

1,171,064 00 

817,824 00 

838,307 00 

1,111,366 00 

1,720,488 00 

75,833 00 

1,653,771 00 

184,251 00 

198,317 00 

247,423 00 



Market Value. 

$56,260 00 

96,525 00 

45,792 00 

106,562 00 

20,242 00 

198,762 00 

115,912 00 

10,260 00 

242,809 00 

310,060 00 

178,500 00 

223,340 00 

324,387 00 

566,800 00 

5,108,180 00 

1,333,250 00 

1,084,000 00 

273,000 00 

106,500 00 

907,250 00 

738,350 00 

1,032,300 00 

287,500 00 

1,695,000 00 

454,729 00 

608,300 00 

904,400 00 

809,250 00 

1,098,993 00 

1,707,650 00 

84,600 00 

1,553,325 00 

213,564 00 

195,500 00 

267,500 00 



$107,380,798 37 $110,474,106 00 



"THE GERMANIA LIFE INSURANCE COMPANY" OF NEW 

YORK. 

[Incorporated April 10, 1860. Commenced business July 16, I860.] 

Paid-up Capital, $200,000. 

Hugo Wesendonck, President. Hubert Cillis, Secretary. 

Income. 

Received for premiums on new policies, $326,845 99 

Received for renewal premiums, 2,329,402 89 

Dividends applied to pay running premiums, .... 119,099 77 



THE GERMANIA LIFE INSURANCE COMPANY. 



77 



Dividends applied to purchase paid-up additions and annuities, 
Surrender values applied to purchase paid-up insurance and 

annuities, 

Received for annuities, 



Total, 

Deduct amount paid for reinsurance, 

Total premium income, .... 

Received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 
for reinsurance, .... 

Policy fees, 



Total income, .... 
Net or ledger assets Dec. 31, 1894, . 



|23,U9 97 

190,077 55 
34,100 54 

$3,022,646 71 
6,517 90 

$3,016,128 81 

848,088 85 

1,622 85 

135,823 05 

2,384 00 

1,891 74 

$4,005,939 30 
19,388,834 46 



Total, 



Disbursements. 



Paid for losses and additions, . . 

Paid for matured endowments and additions, 



$23,394,773 76 



,128,153 00 
531,946 32 



Gross amount paid for losses and endowments, 

Paid to annuitants, 

Cash dividends paid policy-holders, .... 
applied to pay running premiums, 
applied to purchase paid-up additions and an 

nuities, 

Surrender values paid in cash, 

Surrender values applied to purchase paid-up insurance and 
annuities, 



Total paid policy-holders, 

Cash paid for dividends to stockholders, . 

for commissions and bonuses to agents, new poli 

cies, $173,834.86 ; renewals, $127,907.80, . 
for salaries and allowances to managers and agents 
for medical examiner's fees and inspections, . 
for salaries of officers and home office employees 
for taxes on premiums, . 
for taxes on reserves, 
for taxes on real estate, . 
for fees, licenses, etc., 
for rent, .... 
for commuting commissions, 
for advertising and printing, 



.,660,099 32 

21,648 39 

7,632 55 

119,099 77 

23,119 97 
206,164 71 

190,077 55 

>,227,842 26 
24,000 00 

301,742 66 

101,220 10 

25,095 83 

83,775 32 

15,405 89 

366 29 

19,615 90 

3,687 27 

19,665 00 

2,163 44 

15,102 44 



78 



THE GERMANIA LIFE INSURANCE COMPANY. 



Cash paid for furniture and office fixtures, 

for real estate expenses (except taxes), 
for legal expenses and incidentals, 
for profit and loss account, 

Total disbursements, . 



$2,683 23 

37,781 07 

37,581 67 

19,839 22 



82,937,567 59 



Balance, 



$20,457,206 17 



Invested in the following : — 



Assets as per Ledger Accounts 



Cost of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on company's policies assigned as collateral, 
Cost value of stocks and bonds owned (schedule A), 
Cash in company's office, 

deposited in bank, ...... 

in transit (since received), .... 
Insurance scrip, . . . ... 



Ledger assets (as per balance), 



$2,141,495 15 

11,354,145 00 

925,724 34 

5,714,487 29 

2,837 95 

182,911 44 

135,085 00 

520 00 

$20,457,206 17 



Other Assets. 

Interest due and accrued, 

Rents due and accrued, . 

Market value of real estate over cost, 

Market value of stocks and bonds over cost, . 



^87,294 67 

5,016 67 

44,334 82 

40,888 28 



New Business. 



Renewals. 



Uncollected premiums on poli- 
cies in force, .... $34,463 24 $135,759 46 

Deferred premiums on policies 
in force, .... 41,430 38 288,069 96 



Total, .... $75,893 62 $423,829 42 

Deduct loading (20 percent ), . 15,178 72 84,765 88 



Net amount of uncollected and 
deferred premiums, 



,714 90 $339,063 54 



399,778 44 



Total assets, per company's books, . 
Deduct special deposits in other States, . 



$21,134,519 05 
. 2,230,435 57 



Balance, 



$18,904,083 48 



THE GERMANIA LIFE INSURANCE COMPANY. 



79 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), 
Deduct net value of reinsured risks, 



Net reserve, .... 
Death losses due and unpaid, . 
Matured endowments due and unpaid, 
Death losses in process of adjustment, 
Claims resisted by the company, 
Due and unpaid on annuity claims, . 

Total policy claims, . 
Unpaid dividends of surplus due policy-holders, 
Premiums paid in advance, .... 
Extra reserve for lapsed, war and other policies, 

Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 



$19,085,146 00 
24,539 00 

$19,060,607 00 



$1,225 80 

4,957 20 

128,115 32 

58,686 87 
1,125 09 



194,110 28 

54,353 67 

1,976 37 

74,510 64 

$19,385,557 96 
. 2,229,366 07 



$17,156,191 89 
Surplus as regards policy-holders, . . . $1,747,891 59 

Paid-up capital, 200,000 00 

Surplus over capital, 1,547,891 59 

Gross liabilities, $18,904,083 48 

Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1894. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 14,772 $29,604,026 00 
Endowment, . . . 25,044 37,977,662 00 
All other, . . . . 196 557,696 00 

Reversionary additions, . - 759,413 00 

— 40,012 $68,898,797 00 

Policies issued during the Year. 

Whole life, . . . 1,968 $4,242,747 00 
Endowment, . . . 3,645 4,840,768 00 
All other, .... 16 38,326 00 

5,629 9,121,841 00 

Old Policies revived. 
Whole life, ... 9 $24,449 00 

Endowment, ... 12 13,573 00 

— — 21 38,022 00 

Additions by dividends, - 32,552 00 



Total, 45,662 $78,091,212 00 



80 



THE GERMANIA LIFE INSURANCE COMPANY. 



Policies terminated during the Year. 







Number. 


Amount. 


Total No. 


Total Amount. 


Whole life, 


. 


2,082 


$4,828,089 00 






Endowment, 


. 


. 2,758 


4,014,661 00 






All other, . 




50 


222,800 00 








4,890 


$9,065,550 00 








Mow terminated. 






By death, . 




609 


$1,153,512 00 






maturity, 




379 


514,585 00 






expiry, . 




75 


149,385 00 






surrender, 




947 


1,699,922 00 






lapse, . 




2,015 


3,846,039 00 






change an 


1 decrease, 


™* 


323,765 00 






Not taken, 


• 


865 


1,378,342 00 


4,890 


$9,065,550 00 



Policies in Force Dec. 31, 1895. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Industrial policies in force, 



. 14,667 $29,043,133 00 



25,943 


38,817,342 00 




162 


439,615 00 




- 


725,572 00 


40,772 $69,025,662 00 






. 


• i • 


5,533 $677,688 00 



Schedule A. 
Slocks and Bonds owned by the Company. 



42d St. Mn. & St. Nich. Av. H.R.R.,N.Y., stock 

Virginia funded debt, century coupon bonds, 

City of Denver, Col., warrants, 

City of Lexington, Ky , bonds, 

Newark, N. J , city bonds, 

Dominion of Canada debentures, 

Montreal Harbor coupon bonds, 

Austrian government bonds, . 

Hungarian government bonds, 

Bavarian government bonds, . 

Swiss government bonds, . 

Wurtemberg government bonds, 

Prussian government bonds, 

Atchison, Topeka & Santa Fe R.R bonds, 

Atlantic Ave. R R. Co. of Brooklyn bonds, 

Improvement mortgage guarantee bonds, 

Baltimore & Ohio Railroad bonds, . 

Central Ohio Cons, bonds, 

Pittsburg & Connellsville bonds, 

Sandusky, Mansfield & Newark bonds, . 



Cost Value. 

$17,075 00 
2,860 00 
46,125 00 
49,450 00 
52,625 00 
25,000 00 
296,815 27 
46,987 97 
10,392 60 
19,358 69 
98,634 48 
1,189,749 53 
23,500 00 
26,187 50 
46,500 00 
50,750 00 
25,562 50 
29,375 00 
60,750 00 



Market Value. 

$3,500 00 
19,360 00 
2,940 00 
51,250 00 
46,010 00 
54,000 00 
25,562 50 
305,825 85 
51,870 77 
10,796 25 
19,230 40 
98,407 88 
1,241,131 92 
23,000 00 
27,250 00 
45,000 00 
53,500 00 
26,000 00 
26,500 00 
60,000 00 



THE GERMANIA LIFE INSURANCE COMPANY. 



81 



Brooklyn Elevated Railroad Co. bonds, . 
Cen. Park, No. & East River City R.R bonds 
Elizabethtown, Lexington & Big Sandy bonds 
Chicago & Alton Railroad Co. bonds, 
Louisiana & Missouri River bonds, . 
Hannibal & St. Joseph bonds, . 
Lincoln & Northwestern bonds, 
Nebraska Railway bonds, 
Chicago, Milwaukee & St. Paul R'y Co. bonds 
Hastings & Dakota bonds, . . . . 
St. Paul & Chicago (River Div.) bonds, . 
Chicago & Northwestern R'y Co. bonds, 
Menominee Extension bonds, . 
Northwestern Union S. F. bonds, 
Chicago, Rock Island & Pacific R'y Co. bonds 
Chicago & Southwestern bonds, 
Columbus & Indianapolis Central bonds, 
Chic, St. Paul, Minn. & Omaha R.R. bonds, 
Chicago, St. Paul & Minneapolis bonds, . 

North Wisconsin bonds, 

St. Paul & Sioux City bonds, . 
Clev., Cin., Chicago & St. Louis R'y Co. bonds 
Cincinnati, Lafayette & Chicago bonds, . 
Cincinnati, Sandusky & Cleveland bonds, 
Col , Hocking Valley & Toledo R.R. Co. b'ds 
Columbus & Ninth Ave. R.R. Co. bonds, . 
Dayton & Michigan R.R. Co. bonds, 
Delaware & Hudson Canal Co. bonds, 
Flint & Pere Marquette R.R. Co. bonds, . 
Galv., Harrisburg & San Antonio R.R. bonds 
Kentucky Union Land Co. claim certificates, 
Lexington & Eastern R'y Co. bonds, 
Kings County Elevated R'y Co. bonds, . 
Fulton Elevated bonds, .... 
Lake Shore & Michigan Southern R'y Co b'ds 
Lexington Ave. & Pavonia Ferry R.R. Co. b'ds 
Brooklyn & Montauk bonds, 
Long Island City & Flushing bonds, 
Detroit & Bay City bonds, 
Grand River Valley bonds, 
Milwaukee, L. Shore & Western R'y Co. b'ds 
Minneapolis & St Louis R'y Co. bonds, . 
Minneapolis Street R'y Co. bonds, . 
Missouri Pacific R'y Co. bonds, 
St. Louis, Iron Mountain & Southern bonds, 
Arkansas Branch bonds, .... 
New York, Lake Erie & Western R'y Co. b'ds 
Norfolk & Western R.R. Co. bonds, 



Cost Value. 

$52,375 00 
48,605 00 
42,600 00 
18,018 75 
30,340 00 
17,531 25 
13,275 00 
17,737 50 
64,187 50 
25,200 00 
50,050 00 

157,037 50 
22,275 00 

195,691 25 
52,875 00 
20,740 00 
14,730 00 
36,300 00 
33,422 50 
54,490 00 

122,000 00 
90,000 00 
30,562 50 
43,050 00 
10,890 00 
26,625 00 
20,900 00 
44,187 50 
58,625 00 
46,500 00 

47,875 00 

25,000 00 
25,000 00 
59,637 50 
26,625 00 
54,875 00 
38,010 00 
23,246 25 
36,450 00 
49,750 00 
56,910 00 
47,625 00 
37,200 00 
50,750 00 
25,801 25 
271,612 50 
47,500 00 



Market Value. 

$50,000 00 
46,000 00 
40,000 00 
17,400 00 
28,250 00 
17,850 00 
12,400 00 
15,150 00 
62,750 00 
26,750 00 
50,000 00 

166,800 00 
23,760 00 

207,900 00 
51,875 00 
18,360 00 
13,800 00 
37,500 00 
36,830 00 
59,400 00 

128,000 00 
93,000 00 
28,750 00 
45,780 00 
10,530 00 
28,375 00 
21,200 00 
50,050 00 
58,000 00 
41,600 00 

< 6,250 00 

I 21,000 00 
18,125 00 
15,000 00 
60,000 00 
28,250 00 
53,000 00 
39,480 00 
27,140 00 
35,400 00 
56,250 00 
60,480 00 
46,250 00 
32,700 00 
50,500 00 
25,875 00 

295,005 00 
45,000 00 



82 



HOME LIFE INSUKANCE COMPANY. 



Northern Ohio R'y Co. bonds, . 
Northern Pacific R.R. Co. bonds, 
Cceor D'Alene R'y and Nav. Co. bonds, 
Paterson R'y Co. bonds, . 
Philadelphia & Reading R.R. Co. bonds, 
Rio Grande Western R.R. Co. bonds, 
St. Joseph & Grand Island R.R. Co. bonds, 
St Paul, Minn. & Manitoba R'y Co. bonds, 
Montana Central bonds, .... 
Savannah, Florida & Western R'y Co. bonds 
Second Avenue R R. Co. of N. Y. bonds, 
Sioux City & Northern R.R. Co. bonds, . 
South Carolina & Georgia R R. Co. bonds, 
East Tenn., Va. & Georgia sinking fund b'ds 
Syracuse Consolidated Street R'y Co. bonds, 
Terre Haute & Indianapolis R.R. Co. bonds, 
Texas & Pacific R.R Co. bonds, 
Ulster & Delaware R.R. Co. bonds,. 
Wabash R.R. Co. sinking fund bonds, 



Cost Value. 

$51,500 00 

118,175 00 

32,137 50 

24,375 00 

125,700 00 

112,250 00 

32,250 00 

135,187 50 

80,262 50 

53,812 50 

26,125 00 

46,000 00 

24,500 00 

36,225 00 

94,900 00 

20,200 00 

45,875 00 

49,875 00 

102,750 00 



Market Value. 
$51,500 00 

114,500 00 
24,000 00 
23,750 00 

124,200 00 

114,000 00 
15,000 00 

150,000 00 
85,150 00 
56,500 00 
26,500 00 
46,000 00 
23,375 00 
33.750 00 
55,000 00 
22,000 00 
40,250 00 
51,500 00 

103,500 00 



1,714,487 29 $5,755,375 57 



"HOME LIFE INSURANCE COMPANY," NEW YORK, N. 1". 

[Incorporated April 30, 1860. Commenced business May 1, I860.] 
Paid-up Capital, $125,000. 

George E. Ide, President. Ellis W. Gladwin, Secretary. 

Income. 

Received for premiums on new policies, . . . . $312,913 99 

Received for renewal premiums, 1,026,133 71 

Dividends applied to pay running premiums, .... 88,699 53 

Dividends applied to purchase paid-up additions and annuities, 80,1 17 28 
Surrender values applied to purchase paid-up insurance and 

annuities, 56,219 00 

Received for annuities, . 53,979 70 

Total,. .......... $1,618,063 21 

Deduct amount paid for reinsurance, ,,''...' 3,625 54 

Total premium income, . . . . . . .$1,614,437 67 

Received for interest, ........ 310,521 90 

as discount on claims paid in advance, . . . 176 57 

for rents of company's property, . . . . 71,469 07 

Premium notes or loans restored, 2,567 85 

Total income, ........ .$1,999,17306 

Net or ledger assets Dec. 31, 1894, ...... 8,237,609 39 

Total, $10,236,782 45 



'£:: z i rz :: :~^y :z 






_ _: ~~. : 
r i : - : f? ■:- f i~'l i : : : is. .... 

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Gross amount paid for losses and! endowTnen 

7 

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Total paid poEey-noId-f ...... 

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: : : z_ ?» : .- : ; i : i :-ri -; jf 5 : r~ ; •:.:- 
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; ~ : - - _ . .; - . - - 

- : ... 

: 5 _- f : n ::--"._: 

for = premiums. 

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.... . . 

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_ - 

" • . • .- - - . - 

- • ... 

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- 



* 



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2 






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. 



n 



B^izce. 






j — 

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. ■ - ■:=. 

- ■ - j : • • . . . . 

on «»Uaierj.- ? 

on company's pel M s xtttate e 

Ccs: ... , 

- 1. ... :i> -* 

.... . 



84 



HOME LIFE INSURANCE COMPANY. 



Agents 1 debit balances, 
Commuted commissions, . 



Total 

Deduct agents' credit balances, 

Total net or ledger assets, as per balance, 

Other Assets. 

Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of real estate over cost, 
Market value of stocks and bonds over cost, 
Reinsurance due from other companies, 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, . . . 

Total 

Deduct loading (20 per cent.), , 

Net amount of uncollected and 
deferred premiums, 



$70,569 47 
33,193 42 

$8,659,397 53 
104 00 

$8,659,293 53 



95,234 31 

5,864 86 

95,516 68 

67,668 74 

12,500 00 



New Business 

$60,002 05 
17,592 65 



Renewals. 

$89,878 03 
61,382 26 



$77,594 70 $151,260 29 
15,518 94 30,252 06 



,075 76 $121,008 23 



Total assets, per company's books, 

Items not admitted. 

Commuted commissions, $33,193.42 ; agents' 
debit balances, $70,465.47, .... $103,658 89 



183,083 99 
),119,162 11 



Bills receivable, .... 
Total, 

Total admitted assets, 
Deduct special deposits in other States, 



Balance, 



25,451 14 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), 
Deduct net value of reinsured risks, 



Net reserve, .... 
Present value of unpaid instalments, 
Death losses in process of adjustment, 
Claims resisted by the company, 

Total polic3 T claims, . 



129,110 03 

$8,990,052 08 
10,950 00 

$8,979,102 08 



r ,804,188 00 
5,178 00 

',799,010 00 
6,562 00 



,171 50 

49,000 00 



141,171 50 



HOME LIFE INSURANCE COMPANY. 



85 



Unpaid dividends of surplus due policy-holders, . 
Premiums paid in advance, 

Liabilities as to policy-holders, 
Deduct liabilities on special deposits, 



Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, 



$6,558 72 
3,312 86 

. $7,956,615 08 
1,608 00 



. $1,024,095 00 



$7,955,007 08 

125,000 00 
899,095 00 



Gross liabilities, . 



. $8,979,102 08 



Premium Note Account. 



Premium notes on hand Dec. 31, 1894, 
Premium notes received during 1895 (new poli- 
cies, $25,565.26 ; old policies, $95,720.52), 
Premium notes restored by revival of policies 

Total, . 

Used in payment of losses and claims, 

in purchase of surrendered policies, 
in payment of dividends to policy-holders 
Redeemed by maker in cash, . 

Total, 

Balance note assets Dec. 31, 1895, 



$501,601 25 

121,285 78 
2,567 85 



$625,454 88 



,571 74 
33,548 68 
43,258 85 
42,176 43 



138,555 70 



$486,899 18 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1894. 

Total No. Total Amount. 



Whole life, 
Endowment, 
Ail other, . ' . 
Reversionary additions, 



Number. 

15,620 
2,933 
1,391 



Amount. 

$29,336,208 00 

5,264,829 00 

3,709,200 00 

497,498 00 



19,944 $38,807,735 00 



Policies issued during the Year, 



Whole life, 
Endowment, 
All other, . 



4,159 


$8,478,362 00 


515 


1,043,971 00 


791 


2,261,217 00 



5,465 11,783,550 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 



117 
28 
13 



$310,500 00 
47,000 00 
42,000 00 



158 



399,500 00 



86 



HOME LIFE INSUKANCE COMPANY. 



Old Policies increased. 



Number. 



Whole life., 
Endowment, 
All other, . 

Additions by dividends, . 



Amount. Total No. 

$14,500 00 

549 00 

2,000 00 



Total Amount. 



$17,049 00 
111,215 00 



Total, 25,567, $51,119,049 00 



Whole life, 
Endowment, 
All other, . 



Policies terminated during the Year. 



2,869 
400 
694 



(6,084,656 00 

815,358 00 

1,972,021 00 



3,963 $8,872,035 00 



How terminated. 



By death, . 

maturity, 

surrender, . 

lapse, . 

change and decrease, 
Not taken, . 



261 

59 

778 

1,846 

8 

1,011 



$487,124 00 
96,851 00 
1,670,579 00 
3,555,400 00 
450,821 00 
2,611,260 00 



3,963 8,872,035 00 



Policies in Force Dec. 31, 1895. 



Whole life, . . . 17,027 

Endowment, . . . 3,076 

All other, . . . 1,501 

Reversionary additions, . 



$32,054,914 00 

5,540,991 00 

4,045,394 00 

605,715 00 



21,604 $42,247,014 00 



Schedule A. 
Securities held as Collateral. 



Union Trust Company stock, . 

American Exchange National Bank stock, 

United New Jersey R'y & Canal Co., 

Missouri Pacific R.R. bonds, 

Missouri, Kansas & Texas R R. bonds, 

Standard Gas Light Co. stock, . 

Burl , Cedar Rapids & Northern R.R. stock, 



Market Value. Loaned Thereon. 



$36,500 00 

7,650 00 

6,345 00 

14,500 Ws 

1L,000 00 



56,000 00 
4,400 00 
4,000 00 



24,300 00 
12,400 00 J 



} 30,000 00 



HOME LIFE INSURANCE COMPANY. 



87 



Nassau Fire Insurance Co. stock, 

Brooklyn Bank stock, .... 

Washington Trust Co. stock, . 

Title Guarantee & Trust Co. stock, . 

New York & New Jersey Telephone stock, 

Standard Oil Trust stock, 

Edison Electric 111. Co. Brooklyn stock, . 

Bond & Mortgage Guarantee Co. stock, . 

Dry Dock, E. Broadway & Battery R.R. stock 

Municipal Electric Light Co. stock, 

Brooklyn Union Gas Co. bonds, 

Illinois Central R.R. bonds, 

Union Pacific R.R. bonds, 

County of Essex, N. J. Park bonds, 

Rensselaer & Saratoga R R stock, 

Chesapeake & Ohio R.R. bonds, 



Schedule B. 



Market Value 

1,400 00 ^ 
5,890 00 
1,850 00 
4,540 00 



Loaned Thereon. 



2,375 00 J 



6,060 00 , 

714 00 

2,700 00 

1,062 00 

1,068 00 J 

9,000 00^ 

10,400 00 I 

10,500 00 J> 

11,247 00 | 

17,800 00 J 

22,200 00 



}> $15,000 00 



50,000 00 



16,000 00 



$221,501 00 §125,400 00 



Slocks and Bonds owned by the 



United States bonds, 

Erie Railroad bonds, .... 

New York, Chicago & St. Louis R.R. bonds, 
New York, Lack. & Western R.R. bonds, 
Albany & Susquehanna Railroad bonds, . 
Morris & Essex Railroad bonds, 
Chicago & Northwestern Railroad bonds, 
Oswego & Syracuse Railroad bonds, 
Jefferson Railroad bonds, 
Delaware & Hudson Railroad bonds, 
Monmouth County, N. J., school bonds, . 
Michigan Central Railroad bonds, . 
Central Railroad of New Jersey bonds, . 
Lake Shore & Michigan Southern R.R. bonds 
Louisiana & Missouri River Railroad bonds, 
New York Central & Hudson Riv. R.R. bonds 
Buffalo & Erie Railroad bonds, 
Rome, Watertown & Ogdensburg R R. bonds, 
Cleve., Col., Cin. & Indianapolis R.R. bonds, 
Nashville & Decatur Railroad bonds, 
New York & Harlem Railroad bonds, 
Kalamazoo & White Pigeon Railroad bonds, 
Norfolk & Southern Railroad bonds, 
Jackson, Lansing & Saginaw Railroad bonds 
Detroit, Monroe & Toledo Railroad bonds, 
Brooklyn City Railroad bonds, . . ♦ 

Chicago, Burlington & Quincy R ; R. bonds,.. 



Company. 

Cost Value. 

$355,918 26 
60,061 26 

197,689 74 
97,500 00 

241,925 00 

267,967 50 

281,400 00 
38,950 00 

102,500 00 
79,091 25 
23,605 00 
49,725 00 
90,149 14 

143,150 00 
33,720 83 

105,750 00 
45,320 00 

109,170 00 
11,441 67 
56,750 00 
5,900 00 
9,787 50 
53,500 00 
30,825 50 
12,325 00 
22,207 50 
2§,693.00 



Market Value. 

$350,400 00 

33,890 00 

202,000 00 

113,916 67 

250,475 00 

276,833 33 

275,666 67 

41,800 00 

101,750 00 

77,366 67 

22,000 00 

51,962 50 

89,997 50 

137,230 00 

31,924 17 

103,333 33 

42,100 00 

116,750 00 

10,633 33 

53,250 00 

5,641 67 

10,125 00 

58,391 67 

30,700 00 

12,308 33 

23,415 00 

25,630 00 



88 



THE KANSAS MUTUAL LIFE INSURANCE COMPANY. 



Long Island Railroad bonds, . 

Flatbush sewer bonds, .... 

Newark sewer bonds, .... 

Central Trust Company stock, 

American Exchange National Bank stock, 

National Bank of Commerce stock, 

Michigan Central Railroad bonds, . 

West Dnluth Improvement bonds, . 

Edison Electric Illuminating Company bonds 

Lehigh Valley Terminal bonds, 

Chicago & Eastern Illinois bonds, . 

Union Ferry Company bonds, . 

City of Lake Side, Minn., imp. bonds, 

Lincoln, Neb., Street Railway bonds, 

Cleve., Cinn., Chic. & St. Louis bonds, . 

Detroit & Bay City bonds, 

Atlantic Ave. R.R. bonds, 

Minneapolis & St. Louis bonds, 

St. Louis & Iron Mountain R.R., 

Lehigh & New York R.R. bonds, 



Cost Value. 

,500 00 
50,000 00 
50,000 00 
29,500 00 
22,512 25 
34,085 75 
24,200 00 

1,000 00 
50,000 00 
54,562 50 
50,517 36 
25.0C0 00 

9,000 00 
56,000 00 
91,750 00 
43,093 75 
45,570 00 
37,500 00 
52,000 00 
46,250 00 



Market Value. 

19,333 33 
51,000 00 
50,500 00 
104,000 00 
26,541 00 
41,200 00 
23,166 67 

1,000 00 
51,375 00 
55,875 00 
49,833 33 
26,291 67 

9,000 00 
37,925 00 
92,333 33 
41,883 33 
45,360 00 
37,500 00 
51,291 67 
45,833 33 



5,343,064 76 $3,410,733 50 



"THE KANSAS MUTUAL LIFE INSURANCE COMPANY," 

TOPEKA, KANSAS. 

[Incorporated Jan. 16, 1882. Commenced business February, 1882.] 

J P. Davis, President. John E. Moon, Secretary. 

Income. 

Received for premiums on new policies, $43,499 53 

Received for renewal premiums, . . . . . 141,540 23 
Dividends applied to pay running premiums, .... 6,695 56 
Dividends applied to purchase paid-up additions and an- 
nuities, 222 27 

Surrender values applied to pay running premiums, . . 820 02 
Surrender values applied to purchase paid-up insurance and 

annuities, 132 50 

Total premium income, $192,910 11 

Received for interest, 13,920 26 

Profit and loss account, 76 33 

Total income, $206,906 70 

Net or ledger assets Dec. 31, 1894, . . . . . . 231,365 22 



Total, . 



$438,271 92 



THE KANSAS MUTUAL LIFE INSURANCE COMPANY. 



89 



Disbursements. 

Paid for losses, . . . ... 

Premium notes or loans used in purchase of surrendered poli 
cies and voided by lapse, ...... 

Dividends applied to pay running premiums, . 
Dividends applied to purchase paid-up additions, . 

Surrender values paid in cash, 

applied to pay running premiums, 
applied to purchase paid-up insurance, 

Total paid policy-holders, 

Cash paid for commissions and bonuses to agents, new poli 
cies, $20,051 24; renewals, $1,916.33, . 

for salaries and allowances to managers and agents 

for medical examiner's fees and inspections, . 

for salaries of officers and home office employees, 

for taxes on new premiums, . 

for taxes on investments, . . . 

for fees, licenses, etc., 

for rent, ...... 

for commuting commissions, . 

for advertising, printing, postage, etc., 

for legal expenses, „ . . ■ . 

for furniture and office fixtures, 

for incidentals, 
Profit and loss, .»«.... 

Total disbursements, . 

Balance, ....... 



. $108,098 68 


.- 

1,916 78 


6,695 56 


222 27 


1,169 09 


820 02 


132 50 


. $119,054 90 


- 

21,967 57 


7,232 90 


5,754 80 


25,042 20 


545 02 


1,548 69 


1,623 15 


3,915 94 


100 00 


7,027 90 


2,028 91 


1,049 55 


2,499 47 


1,509 38 


. $200,900 38 


. $237,371 54 



Invested in the following : — 

Assets as per Ledger Accounts 
Loans on mortgage of real estate (first liens), 
Premium notes or loans on policies in force, . 
Par value of bonds owned (schedule A), 
Cash in company's office, . .... 

Cash deposited in bank, ...... 

Bills receivable, 

Agents' debit balances, . . . . 
Amount recoverable from Fraker claim, 



Total, 

Deduct agents' credit balances, 



$178,345 00 

4,720 70 

11,000 00 

285 71 

31,551 98 

5,979 77 

5,520 81 

1,740 00 

$239,143 97 
1,772 43 



Total net or ledger assets, as per balance, 



$237,371 54 



90 



THE KANSAS MUTUAL LIFE INSURANCE COMPANY. 



Other Assets. 
Interest due and accrued, . . . 
Market value of bonds over par, 



New Business. 

$10,263 78 
9,233 62 



,497 40 
8,899 48 



$15,597 92 $17,393 31 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, 

Total,. . 
Deduct loading (20 per cent ), . 

Net amount of uncollected and 
deferred premiums, 

Furniture, 

Stationery, etc., 



Total assets, per company's books, . 

Items not admitted. 
Office furniture, etc., 
Agents 1 debit balances, 
Bills receivable, 
Stationery, etc., . 
Total, . 



Renewals. 

$3,889 97 

17,851 66 

$21,741 63 
4,348 32 



Total admitted assets, 



$3,692 50 
5,520 81 
5,979 77 
2,000 00 



$4,003 35 
203 33 



32,991 23 
3,692 50 
2,000 00 

$280,261 95 



17,193 08 

$263,068 87 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries'' 4 per cent.), . 
Death losses in process of adjustment, . . $3,000 00 

Claims resisted by the company, . . . 2,000 00 

Total policy claims, 

Unpaid dividends of surplus due policy-holders, 
Premiums paid in advance, 

Liabilities as to policy-holders,. * . 
Surplus as regards policy-holders, 



Gross liabilities, 



$113,473 00 


5,000 00 


282 41 


332 87 



$119,088 28 
143,980 59 

$263,068 87 



Premium Note Account. 

Premium notes on hand Dec. 31, 1894, ' . . $4,749 90 
Premium notes received during 1895 (new poli- 
cies, $6,187.84; old policies, $6,543.12), . 12,730 96 
Total, . . 



$17,480 86 



THE KANSAS MUTUAL LIFE INSURANCE COMPANY. 



91 



Used in purchase of surrendered policies, 

Voided by lapse, 

Redeemed by maker in cash, . 

Total, 



$343 35 

1,573 43 

10,843 38 



Balance note assets Dec. 31, 1895, 



$12,760 16 
$4,720 70 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1894. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 700 $1,228,000 00 
Endowment, ... 60 82,000 00 

All other, . . . 3,723 7,038,000 00 



Whole life, 
Endowment, 
All other, . 



4,483 $8,348,000 00 



Policies issued during the Year. 

560 $891,828 00 

52 75,500 00 

. 1,025 1,787,000 00 



1,637 2,754,328 00 



Whole life, 
All others, 



Whole life, 
Endowment, 
All other, 

Total, 



Old Policies revived. 

. ■ 6 $10,000 00 

8 10,000 00 

Old Policies increased. 

4 $9,408 00 

137 00 
35,000 00 



16 



14 



20,000 00 



20 44,545 00 

6,154 $11,166,873 00 



Policies terminated during the Year. 

Whole life, ... 387 $681,000 00 

Endowment, ... 24 39,500 00 

All other, .... 738 1,333,500 00 





1,149 $2,054,000 00 








How terminated. 






By death, . . . 


49 $108,000 00 






expiry, . . 


386 663,500 00 






surrender, . 


28 47,000 00 






lapse, ...... ~ 


464 774,500 00 






change and decrease, . 


39 122,500 00 






Not taken, .... 


183 338,500 00 






, 


_ — * 


1,149 


2,054,000 00 



92 



THE MANHATTAN LIFE INSURANCE COMPANY. 



Policies in Force Dec. 31, 1895. 

Number. Amoanfc. Total No. Total Amount. 

Whole life, 883 $1,458,236 00 

Endowment, ... 88 118,137 00 

All other, . . . 4,034 7,536,500 00 

5,005 $9,112,873 00 



Schedule A. 

Bonds owned by the Company. 



Brown County, Kan., bonds, 
Pratt County, Kan., bonds, 



Par Value. 



1,000 00 



Market Value. 

$10,000 00 
1,203 33 



$11,000 00 $11,203 33 



"THE MANHATTAN LIFE INSURANCE COMPANY," NEW 

YORK, N. Y. 

[Incorporated 1850. Commenced business Aug. 1, 1850.] 

Paid-up Capital, $100,000. 

Henry B. Stokes, President. William C. Frazee, Secretary. 

Income. 

Received for premiums on new policies, ..... $252,548 64 

Received for renewal premiums, ...... 1,579,054 15 

Dividends applied to pay running premiums, .'..;'. 90,688 03 
Dividends applied to purchase paid-up additions and annui- 
ties, . 1,972 97 

Surrender values applied to purchase paid-up insurance and 

annuities, .......... 96,586 20 

Received for annuities, ........ 74,079 40 



Total, . 
Deduct amount paid for reinsurance, 

Total premium income, 
Received for interest, 

for rents of company's property, 

for reinsurance, 
Premium notes restored, . 
Premium loans or liens, . 
Profit on securities sold, . 



Total income, .... 
Net or ledger assets Dec. 31, 1894, . 

Total 



. $2,094,929 39 
11,136 76 



. $2,083,792 63 
466,285 13 
200,195 99 
941 49 
714 77 
750 00 
22,954 35 



$2,775,634 36 
13,004,426 86 



$15,780,061 22 



THE MANHATTAN LIFE INSURANCE COMPANY. 



93 



Disbursements. 







If1 160,204 65 


Paid for matured endowments, 




105,716 00 


Gross amount paid for losses and endowments, 


$1,265,920 65 






5,089 59 


Premium notes or loans voided by lapse, 




9,517 69 


Cash dividends paid policy-holders, .... 




9,238 78 


applied to pay running premiums, 




90,688 03 


applied to purchase paid-up additions 


and 




annuities, 




1,972 97 


Surrender values paid in cash, ..... 




145,161 18 


applied to purchase paid-up insurance anc 




annuities, . 




96,586 20 


Total paid policy-holders, 


$1,624,175 09 


Cash paid for dividends to stockholders, .... 




16,000 00 


for commissions and bonuses to agents, new 


poli- 




cies, $150,483.U ; renewals, $129,899.41, 




280,382 55 


for salaries and allowances to managers and agents 


76,040 28 


for medical examiner's fees and inspections, 




45,590 02 


for salaries of officers and home office employees 


93,721 65 


for taxes on premiums, .... 




12,880 54 


for taxes on reserves, .... 




1,686 80 


for taxes on real estate, .... 




25,049 88 


for fees, licenses, etc., .... 




15,312 89 






71,939 76 


for advertising, printing and postage, . 




32,554 23 


for legal expenses, . . . 




13,714 64 


for furniture and office fixtures, 




2,736 21 


for real estate expenses (except taxes), 




59,289 32 


for incidentals, 




26,091 78 


Total disbursements, 


. $2,397,165 64 




$13,382,895 58 



Invested in the following : — 



Assets as per Ledger Accounts 

Cost of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 



Ledger assets, as per balance, 



53,558,596 23 

3,560,099 00 

1,216,412 50 

224,144 16 

557,017 37 

4,012,212 69 

18,808 90 

235,604 73 

$13,382,895 58 



94 THE MANHATTAN LIFE INSURANCE COMPANY. 



Other Assets. 

Interest due and accrued, $113,106 98 

Rents due and accrued, ........ 9,346 66 

Market value of real estate over cost, ..... 323,903 77 

Market value of stocks and bonds over cost, .... 128,70681 

New Easiness. Kenewals. 

Uncollected premiums on poli- 
cies in force, .... $68,239 20 $102,984 35 

Deferred premiums on policies 
in force, 11,607 00 119,427 00 



Total, $79,846 20 $222,411 35 

Deduct loading (20 per cent.), . 15,969. 24 44,482 27 



Net amount of uncollected and 

deferred premiums, . . $63,876 96 $177,929 08 

'. — — — — _____ 241,806 04 

Agents 1 debit balances, 129,02161 

Commuted commissions, 156,798 62 

Total assets, per company's books, .... $14,485,586 07 

Items not admitted. 

Commuted commissions, $156,798.62 ; agents' 

debit balances, $ 129,021.61, .... $285,820 23 

Loan in excess of market value, . . . 412 50 

Total, — _— 286,232 73 



Total admitted assets, ...... $14,199,35334 

Deduct special deposits in other States, . . . . . 10,250 00 



Balance, , $14,189,103 34 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent ), . . . $13,109,904 00 
Deduct net value of reinsured risks, . . . . . 12,327 00 



Net reserve, . . ■ . 
Commissions due on premium notes, 
Death losses in process of adjustment, 
Claims resisted by the company, 

Total policy claims, . 



$13,097,577 00 
4,775 00 
$186,047 64 
70,795 00 
256,842 64 



Unpaid dividends of surplus due policy-holders, . . . 32,449 49 



THE MANHATTAN LIFE INSURANCE COMPANY. 



95 



Premiums paid in advance, $19,099 80 

All other liabilities 12,161 00 



Liabilities as to policy-holders, . . . 
Deduct liabilities on special deposits, 

Surplus as regards policy-holders, . 

Paid-up capital, 

Surplus over capital, .... 



$776,448 41 



$13,422,904 93 
10,250 00 

$13,412,654 93 

100,000 00 
676,448 41 



Gross liabilities, 



$14,189,103 34 



Premium Note Account, 



Premium notes on hand Dec. 31, 1894, 
received during 1895, 
restored by revival of policies 

Total, 

Used in payment of losses and claims, 
Used in purchase of surrendered policies, 
Voided by lapse, ..... 
Used in payment of dividends to policy-holders 
Redeemed by maker in cash, . 

Total, . 

Balance note assets Dec. 31, 1895, 



Exhibit of Policies. 



$582,670 12 

66,341 93 

714 77 

#27,926 94 

14,078 58 

9,517 69 

2,848 73 

38,337 51 



$649,726 82 



92,709 45 



$557,017 37 



Whole life, 

Endowment, 

All other, . . . 

Reversionary additions, 



Policies and Additions in Force Dec. 31, 1894. 

Number. Amount. Total Xo. Total Amount. 

. 21,191 $50,661,073 00 
. 2,551 6,368,621 00 
. 1,400 4,535,994 00 

52,987 00 
■ 25,142 $61,618,675 00 



Whole life, 
Endowment, 
All other, . 



Policies Issued during the Year. 

. 5,035 $11,960,258 00 
200 516,702 00 

259 1,089,953 00 



5,494 13,566,913 00 



Old Policies revived. 



Whole life, 
Endowment, 
All other, . 


45 

, 7 
7 

• t 
t • 


$178,728 00 
18,900 00 
24,602 00 


59 


222,230 00 

91,682 00 

3,351 00 


Old policies increased, 
Additions by dividends, . 


• . i 


Total,. 


30,695 


$75,502,851 00 



96 



THE MANHATTAN LIFE INSURANCE COMPANY. 





Policies terminated during the Year. 






Number. 


Amount. Total No. Total Amount. 


Whole life, 


. 


. 4,222 


fll,607,334 00 


Endowment, 


. < 


333 


933,917 00 


All other, . 


c • 


324 


1,349,426 00 






4,879 


$13,890,677 00 






How i 


lerminated. 


By death, . 




459 


$1,169,413 00 


maturity, 




56 


105,716 00 


expiry, . 




- 


37,957 00 


surrender, 




314 


659,204 00 


lapse, . 




2,250 


5,689,927 00 


change and decrease, . 


138 


1,399,242 00 


Not taken, . 


. 


1,662 


4,829,218 00 
___„ 4,879 $13,890,677 00 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Policies in Force Dec. 31, 1895. 
. 22,049 $51,192,725 00 
. 2,425 5,970,306 00 
. 1,342 4,398,293 00 
50,850 00 



25,816 $61,612,174 00 



Schedule A. 

Securities held as Collateral. 

Market Value. 

$25,300 00 



Iowa Central Railroad bonds, . 
Iowa Central stock, ..... 
Wagner Palace Car Company stock, 
Bank of the Metropolis, N. Y., stock, 
Union Trust Company stock, . 
Western Union Telegraph Company stock, 
National Citizens' Bank of N. Y. stock, . 
New York, New Haven & Hartford R'y stock 
New York, Ontario & Western R'y stock, 
Consolidated Gas Company of N. Y. stock, 
Rome, Watertown & Ogdensburgh R'y stock, 
Denver & Rio Grande R'y bonds, 
Rio Grande & Western R'y bonds, . 
Consumers Gas Company of Phila. bonds, 
Columbia Bank of New York stock, 
Union Trust Company of New York stock, 
New York, New Haven & Hartford R'y stock 
Rome, Watertown & Ogdensburgh R'y stock, 
Consolidated Gas Company of N. Y. stock, 
Chicago, Milwaukee & St. Paul R'y stock, 
Colorado Coal & Iron R'y bonds, 



10,300 00 
45,000 00 
40,000 00 
14,000 00^ 
8,500 00 
1,300 00 
12,000 00 j 

1,300 00 
14,900 00 
11,800 00 
2,500 00 
700 00 
1,000 00 
30,000 00 
70,000 00 
3,000 00 ^ 
2,300 00 I 
7,400 00 y 
12,600 00 j 
1,900 00 J 



Loaned Thereon. 



$36,012 50 



50,000 00 



> 52,000 00 



15,000 00 
53,500 00 



20,000 00 



THE MANHATTAN LIFE INSURANCE COMPANY. 



97 



New York, Lackawanna & West'n R.R. bonds, 

New York Central & Hudson River R'y bonds, 

Columbus, Hocking Valley & Toledo R'y bonds, 

Texas & Pacific R'y bonds, 

National Citizens Bank of New York stock, 

Union Trust Company of New York stock, 

Tennessee Coal & Iron Company stock, . 

Mortgage on land at Babylon, N. Y., 

Wagner Palace Car Company stock, 

Bank of the Metropolis of New York stock, 

American Express Company stock, . 

Columbus Central Railway bonds, . 

Oregon Railway & Navigation Co. stock, 

Columbia Bank of New York stock, 

Union Pacific (Denver and Gulf) R'y bonds, 

Atlanta Consolidated Street R R. Co. stock, 

Atlanta Consolidated Street R.R. Co. bonds, 

Utica Electric Light Co. bonds, 

Missouri, Kansas & Texas bonds, 

Union Trust Company of New York stock, 

Mahoning Coal Railroad Company stock, 

Henderson Bridge Company stock, . 

Nashville, Chattanooga & St. Louis R'y stock 

National Citizens Bank of New York stock, 

Consolidated Gas Company of N. Y., 

Houston & Texas Central R.R. bonds, 

Consolidated Stock, County of New York, 

Dock Bond of City of New York, . 

Morris & Essex Railway stock, 

Chicago & North Western Railway stock, 

Sioux City & Pacific Railway bonds, 

Cedar Rapids & Missouri River R R. bonds, 

Winona & South Western R'y bonds, 

New York, Lackawanna & Western R.R. bonds 

American Surety Company, 

Lehigh <fe Wilkesbarre Coal Co. bonds, . 

East River National Bank, N. Y., stock, . 

New York & New England R'y stock, . 

Atchison, Topeka & Santa Fe R'y stock, . 

Missouri Pacific Railway Co. stock, 

Clev., Cin., Chicago & St. Louis R'y stock, 

Chicago, Burlington & Quincy R'y stock, 

Columbus Central Railway Co. bonds, 

Continental Trust Co. of N. Y. stock, 

American Surety Co. stock, 

Illinois Central R'y stock, 

Union Trust Co of N. Y. stock, 

Wabash Railway Company bonds, 

Missouri Pacific R'y Co. bonds, 

Chic, St. Paul, Minn. & Omaha R'y bonds, 



Market Value. 

$3,500 00) 
1,000 00 



Loaned Thereon. 



1,600 00 
800 00 j 
29,900 00 
77,700 00 
38,000 00 
15,000 00 
46,500 00 
30,000 00 
7,800 00 
5,400 00 
2,500 00 
8,800 00 
3,300 00 
5,000 00 
20,000 00 
5,000 00 J 
11,400 00) 
84,000 00 I 
20,000 00 j> 
20,000 00 j 
13,000 00 J 
1,300 00 
2,960 00 
33,300 00 ^ 
4,400 00 
1,000 00 
5,100 00 
1,000 00 
1,000 00 j 
4,500 00 ! 

400 00 

4,000 00 

10,000 00 

13,400 00 

8,800 00 

9,000 00^ 

5,600 00 

7,500 00 

3,500 00 

7,700 00 

13,500 00 J 

15,000 00 

10,000 00 

27,900 00 

9,100 00 

62,400 00 

42,400 00 

24,800 00 



}> $5,000 00 



25,000 00 
30,000 00 

22,900 00 

15,000 00 

28,000 00 

4,000 00 
j> 33,500 00 



100,000 00 



1,000 00 
2,000 00 



50,000 00 



15,000 00 



}> 37,000 00 



15,000 00 

20,000 00 
6,500 00 

100,000 00 



98 



THE MANHATTAN LIFE INSUEANCE COMPANY. 



Wagner Palace Car Co. stock, . 
Union Trust Co of N. Y. stock, 
Laclede Gas Light Co of St Louis bonds, 
Manhattan Railway Co. stock, . 
Chicago, Milwaukee & St. Paul R'y Co. stock 
Chicago Gas Trust (Certificates), 
Missouri, Kansas & Texas R'y Co. stock, . 
Chicago & North-Western R'y Co. stock, 
Lake Erie & Western R'y Co. stock, 
Edison General Electric Co. bonds, . 
Wabash R'y Co. bonds, .... 
Delaware, Lackawanna & Western R'y stock 
Consolidated Gas Co. of N. Y. stock, 
Chicago, Rock Island & Pacific R'y Co. stock 
Chicago, Milwaukee & St. Paul R'y Co. stock 
Little Falls & Dolgeville R.R. Co. bonds, 
Missouri, Kansas & Texas R'y Co. bonds, 
Union Trust Co. of X. Y. stock, 
Bellville & Southern Illinois R'y Co. stock, 
Chicago, Rock Island & Pacific R'y Co stock 
St. Louis, Alton & Terre Haute R'y Co. stock 
Edison Electric Illuminating Co. stock, . 
Rio Grande Western R'y Co. stock, . 
Manhattan Railway Co stock, . 
Pitts., Cinn , Chicago & St Louis R'y stock, 
Rio Grande Western R'y Co. bonds, 
Houston & Texas Central R.R. Co. bonds, 
Cleveland, Loraine & Wheeling R R. bonds, 
Chicago, St. Louis & Paducah R'y bonds, 
Burl., Cedar Rapids & Northern R'y bonds, 
St. Louis Southern R.R Co. bonds, . 
Toledo & Ohio Central R'y Co. stock, . 
St. Louis, Alton & Terre Haute R R bonds, 
Chicago, Milwaukee & St. Paul R'y stock, 
Philadelphia & Reading R'y Co. bonds, . 
Rio Grande Western R'y Co. bonds, 
St. Louis, Alton & Terre Haute R.R. Co. bonds 
Chic, St. Paul, Minn. & Omaha R'y Co. stock 
Bellville & So Illinois R'y Co. stock, 
St Louis, Alton & Terre Haute R'y Co. stock 
Rio Grande Western R'y Co. stock, . 
Long Island Traction Co. stock, 
Great Northern R'y Co. stock, . 
Cleveland, Loraine & Wheeling R'y Co. stock 
Texas & Pacific R'y Co. bonds, 
Edison Electric Co. of Brooklyn bonds, . 
Bellville & Carondelet R.R. Co. bonds, . 
Chicago & North- Western R'y Co. stock, 
Illinois Central R'y Co stock, . 



Market Value. 

$ 52,500 00 > 
7,000 00 

900 00 J 

10,300 00 s 

41,400 00 i 

13,000 00 { 

10,400 00 ) 

19,800 00 

6,800 00 

4,300 001 

7.200 00 

7,900 00 

14,800 00 

13,400 00 

13,800 00 

127,500 00 

2,8C0 00^ 

7,000 00 

13,000 00 

6,700 00 

12,000 00 

5,400 00 

8,000 00 

15,100 00 

6,900 00 

9,800 00 \ 

1,000 00 | 

1,000 00 

4,100 00 

6,000 00 

1,400 00 

3,200 00 

10,300 00 

12,600 00 

1,000 00 

11,400 00^ 

18,500 00 

11,800 00 

19,500 00 

12,000 00 

8,000 00 

1,500 00 

11,000 00 

4,000 00 

8,200 00 

3,200 00 

1,000 00 

4,900 00 

9,300 00 J 



Loaned Thereon. 

850,000 00 

60,000 00 
20,000 00 

50,000 00 
100,000 00 



100,000 00 



} 100,000 00 



$1,698,460 00 $1,216,412 50 



THE MANHATTAN LIFE INSURANCE COMPANY. 



99 



Schedule B. 

Stocks and Bonds owned by the Company. 



50 shares Bank of Commerce, N. Y., stock, 
500 shares Con. Gas Co. of New York stock, 
United States registered bonds, 
Virginia State bonds, consolidated debt, . 
Virginia State bonds, deferred, 
Mississippi State bonds, .... 
Central Park, North & East River R.R. bonds 
Harlem River & Port Chester R R bonds, 
Union Pacific Railroad bonds, . 
Escanaba & Lake Superior Railroad bonds, 
Albany & Susquehanna Railroad bonds, . 
Ohio & Mississippi Railroad bonds, . 
Missouri Pacific Railroad bonds, 
New York, Susquehanna & Western bonds, 
Dakota & Great Southern bonds, 
Morgans La. & Texas R.R. & S.S. Co. bonds 
Sewer & Drainage Cert, of New Rochelle, N.Y. 
Town of Danville, Va., bond, . 
Chicago, Burlington & Quiney R.R bonds, 
Chicago, Milwaukee & St. Paul R'y bonds, 
Denver & Rio Grande Railroad bonds, 
Louisville, St. Louis & Texas Railway bonds 
New York, Lake Erie & Western R.R. bonds, 
N. Y., L. E. & Western Docks & Imp. Co. b'ds 
Bur., Cedar Rapids & Northern R.R. bonds, 
Chicago & Eastern Illinois Railroad bonds, 
Cinn., Ind., St. Louis & Chicago R.R. bonds, 
Central Railroad Co. of New Jersey bonds, 
Lehigh Valley R R. Co. terminal bonds, . 
Missouri, Kansas & Texas bonds, 
Monongahela Railroad bonds, . 
Philadelphia & Reading Railroad bonds, 
Equitable Gas Light Co. of New York bonds 
Baltimore & Ohio bonds, . 
Chicago, Rock Island & Pacific bonds, 
Cleveland, Loraine & Wheeling bonds, 
Flint & Pere Marquette bonds, . 
Knox & Lincoln bonds, 
Kanawha & Michigan bonds, . 
Lehigh & Wilkesbarre assented, 
St. Louis, Alton & Terre Haute bonds, 
West End Street Railway, Boston, bonds, 
School Dist. No. 61, Bergen Co , N. J , bonds 
Western Union Collateral Trust bonds, ., 

Settlement bonds, State of Tennessee, . 



Cost Value. 

$4,460 00 

72,025 00 

118,098 70 

4,500 00 

10,000 00 

115,325 00 

102,500 00 

57,968 17 

31,800 00 

59,000 00 

58,000 00 

111,250 00 

101,138 89 

100,000 00 

70,805 28 

55,000 00 

10,250 00 

86,000 00 

79,389 17 

78,000 00 

13,557 50 

67,013 89 

52,500 00 

152,218 89 

96,958 34 

91,522 22 

27,628 48 

43,050 00 

80,317 76 

50,770 84 

88,447 22 

211,250 00 

56,500 00 

156,525 96 

200,000 00 

115,473 00 

53,250 00 

77,011 11 

107,426 02 

102,500 00 

97,625 00 

48,762 50 

48,617 93 

122,132 76 



Market Value. 

$ 10,300 00 

74,000 00 

127,075 00 

14,896 00 

931 00 

10,000 00 

115,000 00 

106,000 00 

52,500 00 

33,637 50 

60,250 00 

59,500 00 

96,000 00 

103,000 00 

108,000 00 

75,300 00 

55,000 00 

10,250 00 

89,000 00 

85,750 00 

87,000 00 

8,587 50 

71,000 00 

52,500 00 

153,000 00 

101,000 00 

95,000 00 

28,750 00 

45,200 00 

84,000 00 

52,125 00 

86,000 00 

229.500 00 

57,625 00 

156,000 00 

218,500 00 

118,500 00 

53,500 00 

82,000 00 

106,000 00 

103,500 00 

105,750 00 

48,762 50 

49,680 00 

129,050 00 



100 



METROPOLITAN LIFE INSURANCE COMPANY. 



Toledo & Ohio Central Railway bonds, . 
Elizabethtown, Lex. & Big Sandy R.R. bonds, 
Minneapolis & St. Louis R.R. bonds, 
Duluth & Iron Range Railroad bonds, 
Chicago & Indiana Coal Railway bonds, 
The Galveston W'f Co. of Gal., Tex., ttds, 



Cost Value. 

$96,500 00 

20,065 28 

50,786 11 

200,791 67 

101,500 00 

50,000 00 



Market Value. 

$105,000 00 

20,500 00 

49,000 00 

204,000 00 

103,000 00 

50,500 00 



$4,012,212 69 $4,140,919 50 



"METROPOLITAN LIFE INSURANCE COMPANY," NEW 

YORK, N. Y. 

[Incorporated June, 1866. Commenced business January, 1867.] 
Paid-up Capital, $2,000,000. 

John R. Hegeman, President. George B. Woodward, Secretary. 

Income. 

Received for premiums on new policies (ordinary), 
for premiums on new policies (industrial), 
for renewal premiums (ordinary), . 
for renewal premiums (industrial), . 



Total, . . . 

Deduct amount paid for reinsurance, 

Total premium income, .... 

Received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 

Profit on securities sold, . 

Incidentals, .... 



Total income, 
Net or ledger assets Dec. 31, 1894, 



Total, 



>,360 74 

. 2,099,480 00 

343,237 18 

. 15,484,944 66 

118,337,022 58 
104 30 

118,336,918 28 
739,367 32 
11,941 57 
255,323 84 
43,048 23 
14 58 



$19,386,613 82 
. 21,488,658 83 



$40,875,272 65 



Disbursements. 



Paid for losses, 

Paid for matured endowments, .... 

Gross amount paid for losses and endowments, 
Premium notes or loans voided by lapse, 

Dividends paid policy-holders, 

Surrender values paid, 



1,580,389 84 
1,000 00 



Total paid policy-holders, . 



1,581,389 84 

347 87 

43,653 75 

156,445 23 

5,781,836 69 



METROPOLITAN LIFE INSURANCE COMPANY. 



101 



Cash paid for dividends to stockholders, .... 
for commissions and bonuses to agents, , 
for salaries and allowances to managers and agents 
for medical examiner's fees and inspections, . 
for salaries of officers and home office employees, 

for taxes on premiums, 

for taxes on investments, $10.00; on reserves 

$3,727.56 

for taxes on real estate, 

for fees, licenses, etc., ..... 

for rent, 

for commuting commissions, .... 
for advertising, printing and stationery, . 

for legal expenses, 

for furniture and office fixtures, 

for real estate expenses (except taxes), 

for profit and loss, 

for incidentals, 

for agents' bond deposits returned, 

Total disbursements, 



8140,000 00 

2,890,006 85 

2,187,778 68 

500,248 54 

820,089 77 

138,873 18 

3,737 56 

34,745 04 

23,303 29 

118,424 32 

1,338,635 96 

207,472 57 

86,593 04 

24,069 65 

56,987 50 

7,936 66 

223,783 13 

436,669 03 



116,021,191 46 



Balance, 



$24,854,081 19 



Invested in the following : — 



Assets as per Ledger Accounts 



Cost of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on company's policies assigned as collateral, 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule A), 

Cash in company's office, 

Cash deposited in bank, 

Agents' debit balances, 



Total, . . . 

Deduct agents' credit balances, 

Total net or ledger assets, as per balance, 



$7,270,284 50 

10,601,268 00 

12,045 23 

48,950 91 

6,507,375 64 

14,858 98 

399,338 22 

32 33 

$24,854,153 81 

72 62 

$24,854,081 19 



Other Assets. 



Interest due and accrued, . 
Rents due and accrued, . 
Market value of real estate over cost, 



244,848 47 

9,186 01 

94,316 87 



102 



METROPOLITAN LIFE INSURANCE COMPANY. 



Uncollected premiums on policies in force, . $411,587 91 

Deferred premiums on policies in force, . . 251,253 89 

Total, $662,841 80 

Deduct loading, 167,365 09 

Net am't of uncollected and deferred prem's, 

Total assets, per company's books, . 



8495,476 71 
$25,697,909 25 



Items not admitted and Depreciation. 



Agents' debit balances, 

Depreciation from cost of stocks and bonds, . 
Total, 

Total admitted assets, .... 
Deduct special deposits in other States, . 



Balance, 



$32 33 

105,873 14 



105,905 47 

$25,592,003 78 
168,100 00 

$25,423,903 78 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), 

Policy claims unpaid, 

Unpaid dividends of surplus due policy-holders, 
Premiums paid in advance, . . . t 
Due for taxes, fees, salaries, expenses, etc , 
Agents 1 deposits in lieu of bonds, 

Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 



Surplus as regards policy-holders, . 
Paid-up capital, . 

Surplus over capital, 

Gross liabilities, 



,444,833 87 



$20,784,510 00 

131,007 79 

24,596 22 

2,482 29 

99,626 57 

70,025 20 

$21,112,248 07 
133,178 16 

$20,979,069 91 

. 2,000,000 00 
. 2,444,833 87 

$25,423,903 78 



Premium Note Account. 

Premium notes on hand Dec. 31, 1894, . 
Premium notes received during 1895, 

Total, 

Used in payment of losses and claims, 
Used in purchase of surrendered policies, 

Voided by lapse, 

Used in payment of dividends to policy-holders, 

Total, 

Balance note assets Dec. 31, 1895, 



$81,087 4» 




519 02 






$81,606 50 




$308 85 




6,815 01 




347 87 




25,183 86 






32,655 59 




• • • 


$48,950 91 



METROPOLITAN LIFE INSURANCE COMPANY. 



103 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 
All other, . 



Exhibit of Policies. 

Policies and Additions in Force Dec. 31, 1894. 

Number. Amount. Total No, Total Amount. 

. 12,887 $14,418,991 00 

. 2,495 2,935,208 00 

362 506,997 00 
15,744 $17,861,196 00 

Policies issued and revived during the Year. 

. 12,408 $13,764,212 00 

. 3,092 3,577,830 00 

72 480,500 00 
15,572 17,822,542 00 



Total, 31,316 $35,683,738 00 



Whole life, 
Endowment, 
All other, . 



Policies terminated during the Year. 



6,531 

1,394 

138 



$7,338,376 00 

1,556,700 00 

217,943 00 



8,063 $9,113,019 00 



How terminated. 



By death, . 

maturity, 

expiry,. 

surrender, 

lapse, . 

change and decrease, 
Not taken, 



197 
1 
8 

355 
7,023 

176 

303 



$220,773 00 

1,000 00 

6,943 00 

470,253 00 

7,743,050 00 

251,500 00 

419,500 00 



8,063 9,113,019 00 



Policies in Force Dec. 31, 1895. 



Whole life, . . . 18,764 

Endowment, . . . 4,193 

All other, .... 296 

Industrial policies in force, 



,844,827 00 

4,956,338 00 

769,554 00 



23,253 $26,570,719 00 



3,458,846 $416,062,194 00 



Schedule A. 
Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

Akron & Chicago Junction R.R bonds, . . $99,750 00 $100,000 00 

Atlantic Ave. R.R. of Brooklyn bonds, . . 472,250 00 459,500 00 

Ann Arbor R.R. bonds, 28,157 80 19,040 00 

Baltimore Belt R.R. bonds, .... 75,937 50 71,250 00 

Brooklyn City R.R. bonds, .... 217,000 00 225,000 00 



104 



METROPOLITAN LIFE INSURANCE COMPANY. 



Baltimore & Ohio R.R. bonds, . 

Cleveland, Col., Cin. & Ind. R.R. bonds, 

Chicago, Mil. & St. Paul R.R. bonds, 

Chicago & Eastern 111. R.R bonds, . 

Chicago & Indiana Coal R.R. bonds, 

Chicago & Western Ind. R.R. bonds, 

Columbus & Toledo R.R bonds, 

Central of New Jersey R.R. bonds, . 

Cincinnati, Sandusky & Cleve R.R. bonds, 

Chicago, Rock Island & Pacific R.R. bonds, 

Columbus, Conn. & Terminal R.R. bonds, 

Cleveland, Cin., Chic. & St. Louis R.R. bonds 

Charleston & Savannah R.R. bonds, 

Columbia & Greenville R.R. bonds, 

Duluth & Iron Range R.R. bonds, . 

Detroit & Mackinac R.R. bonds, 

Elwood Short Line R.R. bonds, 

Hannibal & St. Joseph R.R. bonds, . 

Louisville, New Alb & Chicago R.R. bonds, 

Lake Erie & Western R R. bonds, . 

Lincoln St. (Nebraska) R.R bonds, 

Lehigh & New York R.R. bonds, 

Morgans La. & Texas R.R. & S. S. Co. bonds, 

Missouri Pacific R.R. bonds, 

Mobile & Girard R.R. bonds, . . . 

Minneapolis & St. Louis R.R. bonds, 

Minnesota Car Co bonds, 

Northern Illinois R.R. bonds, . 

Northern Pacific R.R. bonds, . 

N. Y..City Suburban Water Co. bonds, . 

Northern Ohio R.R bonds, 

Ohio River R.R bonds, .... 

Omaha Horse (Neb ) Railway bonds, 

Pacific of Missouri R.R. bonds, 

Rochester Gas & Electric bonds, 

St. Jo. & Grand Island R.R. bonds, . 

St. Paul & No. Pacific R.R. bonds, . 

St. L , Iron Mo. & Southern R R. bonds, . 

St. Paul City Railway Cable Consol. bonds, 

St Louis & Iron Mountain R.R. bonds, . 

Terre Haute & Indianapolis R.R. bonds, 

Toledo & Ohio Central Car Trust, 

Ulster & Delaware R.R. bonds, 

Virginia Centurv bonds, . 

Virginia Midland R.R. bonds, . 

Western N. Y. & Penn. R.R., . 

West Side Railroad, Milwaukee, bonds, 

Western Gas Co bonds, . 



Cost Value. 

M 25,000 00 
33,965 00 

142,612 50 
57,527 50 
46,218 75 
77,125 00 
90,550 00 

100,750 00 
79,000 00 
26,968 75 
44,532 50 

191,853 60 

189,375 00 
21,660 00 
28,364 16 
60,468 75 
23,687 50 
30,386 25 
52,920 00 

119,595 00 
30,240 00 

225,904 94 
26,750 00 
56,312 50 
45,250 00 

329,573 75 

250,000 00 
26,750 00 

106,250 00 
19,475 00 

403,177 96 
94,750 00 
15,000 00 

214,750 00 

201,897 50 
52,781 25 
58,692 50 
50,375 00 
52,250 00 

254,700 00 
25,625 00 

204,470 00 

149,625 00 
10,450 00 

209,950 00 
62,500 00 
60,525 00 

129,602 50 



Market Value. 

$125,000 00 
37,700 00 

145,820 00 
58,750 00 
51,000 00 
77,050 00 
89,250 00 

116,000 00 
80,250 00 
25,750 00 
42,300 00 

216,690 00 

189,000 00 
21,280 00 
31,000 00 
18,200 00 
25,625 00 
29,500 00 
55,492 50 

121,975 00 
18,900 00 

232,500 00 
28,500 00 
47,500 00 
45,000 00 

340,500 00 

250,000 00 
26,750 00 

105,300 00 
9,500 00 

404,000 00 

100,000 00 
15,000 00 

227,000 00 

202,000 00 
25,000 00 
61,500 00 
50,0"0 00 
51,150 00 

250,000 00 
26,750 00 

202,000 00 

150,000 00 
12,100 00 

204,425 00 
13,780 00 
62,400 00 

127,500 00 



THE MUTUAL LIFE INSURANCE COMrANY. 



105 



United States gov. bonds, 

Dominion of Canada stock, 

Beech Creek R.R. stock, .... 

Northwestern Telegraph Co., . 

Thames Nat. Bank stock (Norwich, Conn ), 

Hamilton Trust Co stock, Brooklyn, N. Y., 

Farmers' Loan & Trust Co., N. Y., stock, 

Franklin Trust Co. stock, Brooklyn, 

People's Trust Co. stock, Brooklyn, 

Nat. Shoe & Leather Bank, N. Y., . 

Con. stock of the city of N. Y., 

Sharon (Pa ) Railway Co stock, 

Sioux City, la., Traction Co. stock, . 



Cost Value. 

$121,924 18 

158,318 75 

43,937 50 

15,450 00 

26,555 00 

100,375 00 

26,731 25 

40,080 50 

5,015 00 

39,600 00 

100,125 00 

21,000 00 

5,000 00 



Market Value. 

$122,760 00 

156,000 00 

46,075 00 

16,200 00 

29,280 00 

101,985 00 

27,125 00 

34,500 00 

4,600 00 

27,000 00 

89,000 00 

21,000 00 

4,500 00 



,507,375 64 $6,401,502 50 



"THE MUTUAL LIFE INSURANCE COMPANY," NEW 

YORK, N. Y. 

[Incorporated April, 1842. Commenced business Feb. 1, 1843.] 

Richard A. McCurdy, President. William J. Easton, Secretary. 

Income. ■ 

Received for premiums on new policies, $5,522,279 47 

Received for renewal premiums, 26,070,817 51 

Dividends applied to purchase paid-up additions, . . . 1,947,867 38 
Surrender values applied to pay running premiums, . . 886,698 29 
Surrender values applied to purchase paid-up insurance, . 2,516,447 00 
Received for annuities, 1,589,860 22 

Total, $38,533,969 87 

Deduct amount paid for reinsurance, . . . . 9,103 02 

Total premium income, $38,524,866 85 

Received for interest, 8,915,432 59 

Received for rents of company's property, .... 882,197 91 
Profit on securities sold, 274,933 16 

Total income, $48,597,430 51 

Net or ledger assets Dec. 31, 1894, 193,928^038 49 

Total, . . . $242,525,469 00 



Disbursements. 
Paid for losses and additions, . . . 
Paid for matured endowments and additions, . 

Gross amount paid for losses and endowments, 



$12,239,164 34 
. 2,134,119 25 

$14,373,283 59 



106 



THE MUTUAL LIFE INSURANCE COMPANY. 



Paid to annuitants, 

Dividends applied to purchase paid-up additions, . 

Surrender values paid in cash, 

applied to pay running premiums, 
applied to purchase paid-up insurance, 

Total paid policy-holders, ...... 



$473,362 29 

1,947,867 38 

2,929,069 90 

886,698 29 

2,516,447 00 

$23,126,728 45 



Cash paid for commissions and bonuses to agents, new poli- 
cies, §4,002,591.56 ; renewals, $2,100,217.61, 

for salaries and allowances to managers and agents, 

for medical examiner's fees and inspections, . 

for salaries of officers and home office employees, 

for taxes on reserves, . . . . . . 

for taxes on real estate, 

for fees, licenses and taxes on premiums, 

for rent, 

for advertising, printing and postage, 

for legal expenses, 

for real estate expenses (except taxes), 

for loss on sales of property, . 

for incidentals, 

for expenses of examination by the New York 
State Department, 

Total disbursements, 



6,102,809 17 
906,829 75 
411,368 91 
587,645 06 
29,802 70 
151,520 42 
319,943 37 
175,000 00 
833,839 60 
249,083 75 
315,309 21 
3,111 69 
265,865 23 

49,033 21 
$33,527,890 52 



Balance, $208,997,578 48 



Invested in the following : — 



Assets as per Ledger Accounts 



Value of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on collateral security (schedule A), . 
Book value of stocks and bonds owned (schedule B), 
Cash in company's office, 
Cash deposited in bank, 
Agents' debit balances, 
Commuted commissions, 
Suspense account, 



$22,137,984 28 

67,649,243 28 

10,276,525 00 

95,797,723 32 

15,281 95 

11,995,192 43 

431,548 52 

185,452 90 

508,626 80 



Ledger assets as per balance, 



$208,997,578 48 



Other Assets. 



Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds over book, 



1,848,432 11 

96,675 73 

6,467,408 34 



THE MUTUAL LIFE INSURANCE COMPANY. 

New Business. ltenewals. 

$32,041 73 $1,533,302 39 
138,490 25 1,995,597 85 



Uncollected premiums on poli- 
cies in force, . 

Deferred premiums on policies 
in force, 



Total, 

Deduct loading (20 per cent.), 

Net amount of uncollected and 
deferred premiums, 



$ 170,531 98 $3,528,900 24: 
34,106 40 705,780 05 



$136,425 58 $2,823,120 19 



107 



Uncollected payments on annuities, 

Total assets, per company's books, . 



$2,959,545 77 
104,194 45 



$220,473,834 88 



Items not admitted. 

Commuted commissions, $185,452.90 ; agents' 
debit balances, $431,548.52, .... 

Suspense account, ...... 

Total, 

Total admitted assets, .... 
Deduct special deposits in other States, . 



$617,001 42 
508,626 80 



1,125,628 22 



$219,348,206 66 
. 4,436,040 65 



Balance, $214,912,166 01 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent), . . . $191,281,834 00 
Deduct net value of reinsured risks, 6,739 00 



Net reserve, .... 
Matured endowments due and unpaid, 
Death losses in process of adjustment, 
Claims resisted by the company, 
Due and unpaid on annuity claims, . 

Total policy claims, . 
Premiums paid in advance, 
Liability under non-forfeiture clause, 

Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 



Surplus as regards policy-holders, . 
Gross liabilities, . . 



$191,275,095 00 

$104,489 81 

582,354 04 

317,710 20 

30,013 10 

— — 1,034,567 15 

303,537 41 
149,412 00 

$192,762,611 56 
4,436,040 65 

$188,326,570 91 
. 26,585,595 10 

$214,912,166 01 



108 



THE MUTUAL LIFE INSURANCE COMPANY. 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1894. 

Total No. Total Amount. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Number. Amount. 

. 239,261 $679,611,195 00 

. 58,889 148,237,369 00 

365 1,718,914 00 

25,143,283 00 



298,515 $854,710,761 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

. 45,626 $122,553,793 00 

. 10,060 21,064,081 00 

. ' . 373 3,928,193 00 

56,059 147,546,067 00 



W^hole life, 
Endowment, 
All other, . 



Old Policies revived. 



2,448 


$5,994,010 00 


533 


1,131,564 00 


14 


131,534 00 



2,995 7,257,108 00 



Whole life, 
Endowment, 
All other, . 



Total, 



Old Policies changed and increased. 
257 $2,808,960 00 



741,314 00 
7,583 00 



258 



3,557,857 00 



357,827 $1,013,071,793 00 



Policies terminated during the Year. 

Whole life, . . . 34,436 $88,979,273 00 
Endowment, . .' 8,822 20,474,930 00 

All other, .... 545 5,158,733 00 



43,803 $114,612,936 00 



How terminated. 



By death, . 


. 3,628 


$12,377,658 00 


maturity, 


804 


2,175,012 00 


expiry, . . 


273 


680,910 00 


surrender, . 


. 11,201 


30,353,488 00 


lapse, . 


. 21,327 


48,063,353 00 


change and decrea 


se, . 254 


3,181,545 00 


Not taken,* 


. 6,316 


17,780,970 00 



43,803 114,612,936 00 



* This item relates to policies issued prior to IS 95, upon which no premiums have been paid. 



THE MUTUAL LIFE INSURANCE COMPANY. 



109 



Policies in Force Dec. 31, 1895. 





Number. 


Amount. Total No. Total Amount. 


Whole life, 


. 253,156 


$721,988,685 00 


Endowment, 


. 60,661 


150,699,398 00 


All other, . 


207 


1,267,313 00 


Reversionary additions, 


- 


24,503,461 00 

314,024 5898,458,857 00 



Schedule A. 
Securities held as Collateral. 

Market Value. 



Nashville & Decatur R.R. bonds, 

Brooklyn Union Gas Co. bonds, 

Chic., Rock Island & Pacific R'y bonds, 

Chic, Mil. & St. Paul R'y bonds, . 

Nassau Gas Co , Brooklyn, stock, 

Title Guarantee & Trust Co. stock, . 

Longf Island Loan & Trust Co. stock, 

Edison Elec. 111. Co. of Brooklyn stock, 

Kings County Trust Co. stock, 

Consolidated Gas Co. stock, 

Pittsburg, Cleveland & Toledo R R. bonds, 

St. L., Iron Mtn. & Southern R'y bonds, 

N. Y., Susquehanna & West. R.R. bonds, 

New Jersey & New York R.R. bonds, 

Seaboard & Roanoke R.R. bonds, 

Clev., Loraine & Wheeling R'y bonds, 

Ohio Southern R.R bonds, 

Duluth & Iron Range R.R. bonds, . 

N. Y., Susquehanna & West. Coal Co. bonds 

Jersey City, N. J , bonds, 

Memphis & Charleston R.R. bonds, 

Central of Georgia R'y bonds, 

Western Union Telegraph Co. stock, 

Fairmont, Morgantown and Pitts. R.R. bonds 

W T estern Union Telegraph Co. stock, 

Delaware & Hudson Canal Co. stock, 

Consolidated Gas Co. stock, 

Clev., Cinn., Chic. & St. L. R'y stock, 

Chic, Rock Island & Pac R'y stock,. 

N. Y. Central & Hudson River R.R. stock, 

Western Union Telegraph Co. stock, 

Lake Shore & Mich. So. R'y bonds, . 

Central R.R. of New Jersey bonds, 

Clev., Col., Cinn. & Ind. R'y bonds, 

Rutland R.R. stock, .... 

Southern R'y Co. bonds, . 

Southern Pacific of California bonds, 

Inter. Bell Telephone Co. stock, 



$238,050 00 

78,877 50 

13,200 00 

5,250 00 

3,750 00 >| 

22,000 00 

16,800 00 

12,875 00 

3,825 00 

7,400 00 

1,150 00 

780 00 J 

63,750 00^ 

13,200 00 

43,700 00 

48,712 50 

18,700 00 

20,250 00 

11,000 00 

22,000 00 

9,900 00 

61,644 00 J 

294,000 00 

360,000 00 

294,000 00 

25,000 00^ 

14,800 00 

8,500 00 

7,370 00 

485 00 y 

4,200 00 

1,170 00 

8,120 00 

1,096 30 J 

35,000 00 

1,038,000 00 

77,000 00 

10,375 00 



Amount Loaned. 

$200,000 00 
80,525 00 



} 53,000 00 



)> 250,000 00 



250,000 00 
300,000 00 
250,000 00 



50,000 00 



15,000 00 

800,000 00 

50,000 00 

5,000 00 



no 



THE MUTUAL LIFE INSURANCE COMPANY. 



Michigan Central R.R. stock, . 

Inter. & Great Northern bonds, 

N. Y., Chi. & St. L. R'y bonds, . 

Lehigh & Wilkesbarre Coal Co. bonds, -. 

Tenth and Twenty-third St. Ferry bonds, 

West Shore R R. bonds, .... 

Bond & Mort. Guarantee Co. stock, . 

Atlantic Trust Co, stock, .... 

Manufacturers Nat. Bank stock, 

First Nat. Bank, Brooklyn, stock, 

Frank Jones Brewing Co. bonds, 

Cleveland, Gin., Chic. & St. Louis R'y stock, 

Canada Southern R'y stock, 

Brooklyn City R.R. stock, 

Rome, Watertown & Ogdensburg R.R. stock 

Illinois Central R.R. stock, 

Farmers' Loan & Trust Co. stock, . 

Warner Palace Car Co. stock, . 

Columbus, Hocking Val. & Toledo R'y bonds 

Missouri, Kansas & Texas bonds, . 

Canada Southern bonds, .... 

Canada Southern bonds, . 

Long Island R.R. stock, . . . 

Wagner Palace Car Co. stock, . 

Farmers 1 Loan & Trust Co. stock, . 

Cleveland, Cin., Chic. & St. Louis R'y stock, 

Buffalo & Erie R.R bonds, 

Canada Southern R'y bonds, . 

Escanaba & Lake Superior bonds, . 

Detroit, Monroe & Toledo bonds, 

Tennessee Coal & Iron Co. bonds, . 

New York Cent. & Hudson River R.R. stock, 

Delaware & Hudson Canal Co. stock, 

Lake Shore & Mich Southern R'y bonds, 

Chesapeake & Ohio R'y bonds, 

Chesapeake & Ohio R'y bonds, 

Missouri, Kansas & Eastern R'y bonds, . 

Chicago, Rock Island & Pac. R'y bonds, . 

Richmond & Danville R.R. bonds, . 

Brooklyn Wharf & Warehouse Co. bonds, 

Chicago & Erie R.R. bonds, 

Knoxville & Ohio R R. bonds, . 

Chicago & Erie R.R. bonds, 

Wabash Railroad bonds, . 

Richmond & Danville R.R. bonds, 

Cairo, Arkansas & Texas R.R. bonds, 

Chicago, St. Louis & New Orleans bonds, 

Richmond & Danville R R bonds, . 



> 30,000 00 



350,000 00 



50,000 00 



Market Value. Amount Loaned. 

$9,500 00' 
9,100 00 

30,600 00 . ft 100 ooo 00 

10,500 00 r 

9,500 00 
52,500 00 
12,625 00 1 

9,000 00 

6,600 00 
12,000 00 j 
4!>4,991 00 
10,200 00^ 

4,900 00 

3,441 60 

1,170 00 

1,547 00 
10,850 00 } 

7,750 00 

13,200 00 

840 00 

2,200 00 

5,100 00 J 

8,300 00^ 

1,550 00 
14,337 50 

8,500 00 

1,070 00 j> 
10,200 00 
11,000 00 

6,250 00 

3,640 00 
40,740 00 ^ 
12,500 00 I 
46,800 00 \ 
21,200 00 j 
17,750 00 ^ 

8,900 00 
34,040 00 
11,760 00 
44,100 00 
10,600 00 J 
60,420 00 

5,300 00 

5,200 00 ^ 
21,560 00 j 

2,000 00 I 

5,250 00 
29,250 00 J 



50,000 00 



100,000 00 



y 100,000 oo 



50,000 00 



50,000 00 



THE MUTUAL LIFE INSURANCE COMPANY, 



111 



Pacific of Missouri R.R. bonds, 

Missouri, Kansas & Eastern R'y bonds, 

Chicago & Eastern III. R R. bonds, . 

Columbus, Hocking Vill. & Toledo R'y bonds 

Richmond & Danville R.R. bonds, 

Chicago & Erie R.R. bonds, 

Morris & Essex R.R. bonds, 

Brook lyn Trust Co. stock, 

Title Guarantee & Trust Co. stock, 

Milwaukee & St. Paul R'y bonds, 

Milwaukee & St. Paul R'y bonds, 

Toledo, Peoria & Western bonds, 

Jackson County, Mo., bonds, 

Wilson County, Kan., bonds, 

Shawnee County, Kan , bonds, 

Cloud County, Kan., bonds, 

Coffey County, Kan , bonds, 

Sheridan Township, Kan., bonds, 

Baker Township, Kan., bonds, 

Ottawa County, Kan., bonds, 

Morris & Essex R.R. stock, 

Mahoning Coal R.R. Co bonds, 

Central Railroad of New Jersey stock, 

Chase National Bank stock, 

Consolidated Gas Co. stock, 

Lake Erie & Western Railroad stock, 

Great Northern Railway stock, 

Clev., Cinn , Chicago & St. Louis R'y stock, 

Minneapolis Union Railway bonds, . 

N. Y , Susquehanna & Western R.R. bonds, 

St. Louis, Iron Mtn. & Southern R'y bonds, 

Union Pacific Railroad bonds, . 

Louisiana, New Alban}' & Chicago R'y bonds, 

St. Paul, Minneapolis & Manitoba R.R. bonds, 

N. Y. Central & Hudson River R.R. stock, 

N. Y., New Haven & Hartford R R. stock, 

N. Y , New Haven & Hartford R.R. bonds, 

Central of Georgia Railway bonds, 

Central Trust Co. stock, . 

Brooklyn Trust Co. stock, 

Franklin Trust Co. stock, 

Rensselaer & Saratoga R.R. stock, 

Delaware & Hudson Canal Co. stock, 

Chicago, Milwaukee & St. Paul R'y stock, 

Clev., Cinn., Chicago & St. Louis R'y stock, 

Delaware & Hudson Canal Co stock, 

Canada Southern Railway stock, 

Clev., Cinn., Chicago & St Louis R'y stock, 



Market Value 

$42,800 00) 
13,350 00 
25,000 00 
21,250 00 
19,600 00 
10,600 00 
14,200 00 
19,500 00 
11,000 00 
34,800 00 
9,810 00 
15,400 00 
5,275 00) 
3,270 00 
2,100 00 
8,960 00 
4,320 00 
1,500 00 
1,000 00 
7,910 00 J 
8,250 00 
5,900 00 
40,000 00^ 
47,500 00 
14,800 00 
47,600 00 
77,000 00 
850 00 
72,000 00 
10,200 00 
5,460 00 
20,800 00 I 
7,400 00 | 
30,000 00 J 
1,697,500 00 >| 
712,000 00 ( 
489,600 00 ! 
454,150 00 J 
101,500 00 n 
87,750 00 > 
16,875 00 ) 
9,000 00 s 
37,500 00 i 
34,500 00 \ 
42,500 00 J 
51,375 00 n 
4,900 00 S 
8,500 00 ) 



Amount Loaned. 

j> $100,000 00 

9,000 00 
25,000 00 

50,000 00 



> 28,000 00 



5,000 00 
2,500 00 



}► 300,000 00 



} 2,500,000 00 



160,000 00 



100,000 00 



50,000 00 



112 



THE MUTUAL LIFE INSURANCE COMPANY. 



Consolidated Gas Co. stock, 
Western Union Telegraph Co. stock, 
American Express Co. stock, . 
Lake Shore & Michigan Southern R'y bonds, 
Chicago, Burlington & Quincy R R. bonds, 
Lake Shore & Michigan Southern R'y bonds, 
N. Y. Central & Hudson River R.R. bonds, 
Canada Southern Railway bonds, 
Troy City Railway bonds, 
Central Trust Co. stock, . . 
Kings County Trust Co. stock, 
Hamilton Trust Co. stock, 
Union League Club of Brooklyn bonds, 
Northern Railway of California bonds, 
Southern Pacific of California bonds, 
San Antonio & Aransas Pass bonds, 
Southern Pacific of Nevv Mexico bonds, 
Southern Pacific of Arizona bonds, 
Northern Railway of California bonds, 
Southern Pacific of Arizona bonds, . 
Southern Pacific of New Mexico bonds, 
San Antonio & Aransas Pass bonds, 
Southern Pacific of California bonds, 
Northern Railway of California bonds, 
Southern Pacific of New Mexico bonds, 
Southern Pacific of Arizona bonds, . 
San Antonio & Aransas Pass bonds, 
Southern Pacific of California bonds, 
Savannah, Florida & Western R.R. bonds 
Pennsylvania R.R. stock, . . , 
Georgia R.R. & Banking Co. stock, . 
Chic , Milwaukee & St. Paul R.R. stock, 
Chic , Rock Island & Pacific R.R. stock, 
First National Bank stock, . , 
Central R.R. of New Jersey stock, . 
N. Y., New Haven & Hartford R.R. stock, 
42d St., Man. & St. Nich. Ave. R.R. bonds, 
Lehigh Valley Terminal bonds, 
Burl., Cedar Rapids & No. bonds, . 
Rome, Watertown & Ogdens. R.R. bonds, 
Cinn. & Springfield R.R. bonds, 
West Virginia & Pitt. R'y bonds, 
Chic, Burl. & Northern R.R. bonds, 
Syracuse, Binghamton & N. Y. R.R. bonds, 
Erie R R. bonds, . . 

Chicago & Northwest R'y bonds, 
Warren R.R. bonds, ..... 



Market Value 

$14,800 00^ 
8,400 00 
11,300 00 
9,360 00 
7,140 00 
4,730 00 
7,000 00 
2,040 00 ^ 
50,000 00 
50,750 00 
12,750 00 \ 
13,875 00 i 
850 00 ) 
315,000 001 
135,000 00 | 
79,750 00 y 
105,000 00 I 
96,000 00 J 
270,000 001 
96,000 00 I 
157,500 00 [ 
35,750 00 | 
180,000 00 J 
315,000 001 
105,000 00 | 
96,000 00 }> 
35,750 00 J 
180,000 00 j 
134,400 00 
77,009 75 
158,900 00 
12,700 00 
6,700 00 
810,000 00 
300,000 00 
1,183,700 00 
5,800 00 >! 
2,260 00 
2,970 00 
8,260 00 } 
5,728 50 
5,500 00 
5,000 00 
12,776 00 v 
13,833 00 



Amount Loaned. 



J. $50,000 00 



25,000 00 
40,000 00 

23,500 00 



500,000 00 



500,000 00 



500,000 00 



100,000 00 
50,000 00 
85,000 00 

15,000 00 

300,000 00 
1,000,000 00 



25,000 00 



21,850 00 
12,500 00 J 



} 50,000 00 



THE MUTUAL LIFE INSURANCE COMPANY. 



113 



Morris & Essex R.R. stock, 
Chic, Mil. & St. Paul R'y stock, 
Chic, Burl. & Quincy R.R. bonds, . 
Chic June & Union Stock Yards bonds, 
Central of New Jersey R R. bonds, . 
Michigan Central R.R. bonds, . 
Chic. Gas Light & Coke Co. bonds, . 
Hoboken, N. J., bonds, 
Consumers Gas Co. of Chicago bonds, 
Morris & Essex R R. bonds, 
Central of Georgia R 1 y bonds, . 
Erie R.R. bonds, .... 
Missouri, Kan. & Texas R'y bonds, . 
Chic, St. Paul, Minn. & Omaha bonds, 
Chicago & Eastern Illinois R.R. bonds, 
Del. & Hudson Canal Co., Penn. Div., bonds, 
Mil., Lake Shore & Western R.R. bonds, 
Duluth & Manitoba R R. bonds, 
Missouri, Kansas & Texas R'y bonds, 

Erie R.R. bonds, 

Warren R.R. bonds, 

Lake Shore & Michigan Southern R.R. stock 

Lake Erie & Western R.R. stock, 

Wagner Palace Car Co. stock, . 

Lake Shore & Michigan Southern R'y bonds, 

Michigan Central R.R. bonds, . 

Mil., Lake Shore & Western R.R. bonds, 

Chic, Milwaukee & St. Paul R.R. stock, . 

N. Y., New Haven & Hartford R.R. stock, 

Del., Lackawanna & Western R.R. stock, 



} $300,000 00 



Market Value. Amount Loaned. 

$165,000 00 ^ 
12,700 00 

5,950 00 

5,350 00 

5,800 00 
47,200 00 

4,500 00 
10,300 00 

4,800 00 
25,200 00 
29,065 60 
20,749 50 
21,000 00 

6,225 00 J 

8,000 00 
11,360 00 

3,840 00 

5,250 00 

3,360 00 
15,216 30 
12,500 00, 

7,050 00 

6,800 00 
15,500 00 
11,700 00 

5,900 00 
12,108 80 J 
69,000 00 
35,600 00 
24,000 00 



50,000 00 



} 50,000 00 



100,000 00 



$14,249,004 85 $10,276,525 00 



Schedule B. 

Stocks and Bonds owned by 

American Exchange National Bank stock, 
Albany & Susquehanna R.R. Co. stock, 
Bond & Mortgage Guarantee Co. stock, 
Brooklyn City Railroad Co. stock, . 
Brooklyn Trust Company stock, 
Central Trust Company stock, . 
Chicago & Northwestern Railroad stock, 
Chicago, Milwaukee & St Paul R R. stock, 
Chicago, Milwaukee & St. Paul R.R stock, 
Cleveland & Pittsburgh Railroad stock, . 
Georgia Railroad & Banking Co. stock, . 
Guaranty Trust Co. of New York stock, . 
Lawyers' Title Insurance Co. stock, . , 



the Company. 

Book Value. 

$258,371 53 

30,341 70 

14,671 17 

578,145 40 

79,525 94 

1,016,451 56 

626,803 00 

27,637 50 

826,199 74 

291,227 78 

194,532 20 

1,200,181 33 

32,435 84 



Market Value. 

$280,494 96 

35,360 00 

15,276 25 

688,320 00 

79,950 00 

1,031,240 00 

652,500 00 

22,770 00 

889,000 00 

309,852 00 

175,000 00 

3,294,900 00 

32,894 40 



114 



THE MUTUAL LIFE INSUEANCE COMPANY. 



sto 
stock, 



k, 



Massawippi Valley Railroad Co. stock, 

Morris & Essex Railroad Co. stock, 

National Bank of Commerce stock, . 

National Safe Deposit Co. stock, 

National Union Bank stock, 

New York & Harlem Railroad Co. stock, 

N. Y., New Haven & Hartford R R Co. stock 

Pennsylvania Railroad Co. stock, 

Pitts., Ft, Wayne & Chicago R.R. Co. stock, 

Pitts., McKeesp. & Youghiogheny R.R. stock 

Rensselaer & Saratoga Railroad Co. stock 

Sixth Avenue Railroad Co. stock, 

Title Guarantee & Trust Co. stock, 

United New Jersey R.R. & Canal Co 

United States Mortgage & Trust Co 

United States bonds, 

Austrian government rentes, 

British government consols, 

Cape of Good Hope government consols, 

Dominion of Canada bonds, 

Italian government rentes, 

Prussian government consols, . 

Transvaal government bonds, 

Victorian government stock, 

Arizona Territory bonds, . 

Georgia bonds, .... 

Minnesota bonds, 

Province of New Brunswick bonds, 

Province of Nova Scotia bonds, 

South Carolina bonds, 

Tennessee bonds, 

Virginia bonds, 

Atchison County, Kan., bonds, 

Bexar County, Tex., bonds, 

Butler County, Ohio, bonds, 

Cascade County, Mont., bonds, 

Chatham County, Geo., bonds, 

Douglas County, Neb., bonds, 

Franklin County, Ky., bonds, 

Franklin County, Ohio, bonds, 

Hamilton County, Tenn., bonds, 

Hancock County, Ohio., bonds, 

Hennepin County, Minn., bonds, 

Hudson County, N. J., bonds, . 

Kent County, Mich., bonds, 

Lucas County, Ohio, bonds, 

Lewis and Clarke County, Mont , bonds, 

McCracken County, Ky., bonds, 



Book Value. 

$35,000 00 

392,364 76 

129,509 82 

100,000 00 

367,781 25 

864,1-46 95 

1,712,231 56 

661,085 83 

284,725 00 

305,000 00 

1,422,222 22 

176,000 00 

32,294 69 

60,408 78 

1,312,500 00 

1,263,389 00 

288,518 01 

99,422 81 

48,992 20 

154,995 00 

331,985 67 

663,174 11 

49,620 43 

24,250 00 

15,033 00 

975,310 00 

100,220 00 

219,228 75 

409,962 50 

155,590 00 

788,500 00 

597,700 00 

123,828 20 

50.360 00 
45,467 50 
68,275 20 

62.361 00 
59,531 20 
62,248 00 
44,154 00 

206,860 00 

10,551 80 

201,660 00 

1,098,015 00 

60.362 00 
16,144 50 

203,002 50 
210,696 00 



Market Value. 

$35,728 00 

412,500 00 

150,265 00 

100,000 00 

573,475 00 

1,187,258 13 

1,780,000 00 

639,050 40 

292,500 00 

325,000 00 

1,440,000 00 

200,000 00 

35,640 00 

64,998 28 

1,837,500 00 

1,275,405 00 

292,588 00 

103,731 00 

54,057 00 

154,995 00 

342,886 21 

701,470 67 

53,083 00 

24,350 00 

15,000 00 

1,019,445 00 

103,235 00 

219,000 00 

400,000 00 

163,800 00 

850,000 00 

600,000 00 

119,585 00 

50,000 00 

46,592 50 

68,275 20 

62,361 00 

61,926 60 

62,248 00 

44,755 20 

210,180 00 

10,605 00 

211,360 00 

1,134,021 50 

60,870 00 

16,220 40 

203,002 50 

210,696 00 



THE MUTUAL LIFE INSUKANCE COMPANY. 



115 



McLennan County, Tex., bonds, 
Montgomery County, Iowa, bonds, 
Otter Tail County, Minn., bonds, 
Owen County, Ky., bonds, 
Ramsey County, Minn., bonds, 
Sedgwick County, Kan., bonds, 
Shawnee County, Kan., bonds, 
Silver Bow County, Mont., bonds, 
Vanderburgh County, Ind., bonds, 
Wells County, Ind., bonds, 
Woodbury County, Iowa, bonds, 
Atlanta, Ga., bonds, . 
Augusta, Ga., bonds, . 
Brooklyn, N. Y., bonds, . 
Cedar Kapids, la , bonds, . 
Colorado Springs, Col., bonds, 
Council Bluffs, la., bonds, 
Duluth, Minn., bonds, 
East Orange, N. J., bonds, 
East Tacoma, Wash., bonds, 
Elizabeth, N. J , bonds, . 
Evansville, Ind., bonds, . 
Fort Worth, Tex., bonds, . 
Galveston, Tex., bonds, . 
Guelph, Canada, bonds, . 
Helena, Mont., bonds, 
Hyde Park, 111., bonds, 
Jackson, Mich., bonds, 
Jersey City, N. J., bonds, 
Joliet, 111., bonds, 
Kansas City, Kan., bonds, 
Lake, 111., bonds, 
Lakeside, Minn., bonds, . 
Lincoln, Neb., bonds, 
Memphis, Tenn., bonds, . 
Montreal, Canada, bonds, 
Nashville, Tenn., bonds, . 
Newark, N. J , bonds, 
Omaha, Neb., bonds, 
Orange, N. J., bonds, 
Ottawa, Canada, bonds, . 
Portland, Ore., bonds, 
Richmond, Va., bonds, 
Salt Lake City, Utah, bonds, 
St. Paul, Minn., bonds, 
San Antonio, Tex., bonds, 
San Francisco, Cal., bonds, 
Seattle, Wash., bonds, 



Book Value. 

$74,536 00 

35,000 00 

50,510 40 

100,000 00 

304,780 00 

256,350 00 

30,060 00 

60,138 70 

104,105 00 

124,821 00 

125,000 00 

567,844 80 

128,893 30 

461,644 50 

45,814 50 

62,490 00 

78,554 00 

60,270 60 

46,000 00 

103,210 00 

375,538 00 

444,600 00 

101,120 00 

324,105 10 

131,641 58 

100,400 00 

52,520 00 

67,236 00 

1,285,855 71 

51,085 00 

104,662 20 

55,238 00 

14,058 80 

98,880 00 

102,003 50 

576,971 00 

373,178 00 

3,257,507 00 

218,147 00 

379,000 00 

42,060 00 

645,134 00 

10,865 94 

256,050 00 

388,067 50 

100,630 00 

119,361 60 

516,120 00 



Market Value. 

$75,061 00 

35,000 00 

50,510 40 

100,000 00 

319,810 00 

261,940 00 

30,072 00 

60,138 70 

108,550 00 

126,500 00 

125,000 00 

618,504 40 

130,916 20 

461,644 50 

45,540 00 

63,378 00 

79,212 75 

63,217 90 

47,504 20 

103,210 00 

375,538 00 

444,600 00 

100,000 00 

333,000 00 

135,605 76 

101,200 00 

53,045 00 

70,453 50 

1,394,528 00 

52,860 00 

104,458 20 

55,869 00 

14,236 60 

100,000 00 

108,803 50 

565,136 71 

410,134 50 

3,308,822 00 

227,701 50 

403,794 50 

42,060 00 

655,226 00 

10,815 80 

257,600 00 

429,547 50 

101,075 00 

125,545 95 

518,250 00 



116 



THE MUTUAL LIFE INSURANCE COMPANY. 



Spokane, Wash., bonds, . . . 
Spokane Falls, Wash., bonds, . 
Stamford, Conn., bonds, .... 
Stillwater, Minn., bonds, .... 
Toronto, Can , bonds, .... 

Waco, Tex , bonds, 

Yonkers, N. Y., bonds, .... 
Ashtabula & Pittsburg R.R. bonds, . 
Atlanta & Charlotte Air Line R.R. bonds, 
Atlantic & Gulf R.R bonds, 
Baltimore & Ohio R.R. bonds, . 
Bangor & Aroostook R.R. bonds, 
Bleecker Street & Fulton Ferry R.R. bonds, 
Broadway & Seventh Avenue R.R. bonds, 
Brooklyn, Queens Co. & Sub. R R. bonds, 
Cedar Rapids, Iowa Falls & North't R.R. b'ds 
Central of Georgia R'y bonds, . 
Central Park, North & East River R.R. bonds. 
Charlotte, Columbia & Augusta R.R. bonds, 
Chateaugay R'y bonds, 
Chicago & Eastern Illinois R.R. bonds, 
Chicago & Indiana Coal R'y bonds, . 
Chicago & Northwestern R.R. bonds, 
Chicago & St. Louis R R. bonds, 
Chicago & Southwestern R.R. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Chic, St. Louis & New Orleans R R., 
Chic, St. Paul, Minn. & Omaha R.R , 
Cinn. & Springfield R.R. bonds, 
Cinn., Hamilton & Dayton R.R. bonds, . 
Cinn., Ind , St. Louis & Chic R.R. bonds, 
Cinn., Sandusky & Cleveland R.R. bonds, 
Cleveland & Mahoning Valley R.R. bonds, 
Clevc, Cinn., Chic. & St. Louis R R. bonds, 
Cleveland, Col., Cinn. & Ind. R.R. bonds, 
Cleveland, Loraine & Wheeling R.R. bonds, 
Clevc, Tuscarawas Val. & Wheel'g R.R. b'ds 
Columbia & Greenville R R. bonds, 
Columbus & Indianapolis Central R.R. bonds 
Columbus & Ninth Avenue R.R. bonds, . 
Columbus & Toledo R.R. bonds, 
Columbus Connecting & Ter. R.R. bonds, 
Columbus Consolidated Street R R. bonds, 
Corrigan Consolidated Street R.R. bonds, 
Duluth & Iron Range R.R. bonds, . 
Duluth & Manitoba R.R. bonds, 
Eastern Railway of Minnesota bonds, 



Book Value. 

$586,860 00 

108,930 00 

50,000 00 

30,860 50 

460,627 60 

30,234 00 

19,000 00 

90,104 40 

402,491 70 

524,994 00 

108,030 00 

95,000 00 

58,630 00 

1,866,600 00 

540,845 00 

243,088 00 

2,936,700 00 

111,330 00 

287,498 30 

217,440 00 

51,200 00 

99,000 00 

3,646,631 00 

96,294 20 

160,020 00 

1,937,690 00 

3,047,141 80 

52,590 00 

531,300 00 

280,375 60 

369,536 00 

376,084 80 

518,800 00 

187,635 00 

445,000 00 

320,060 50 

233,975 00 

226,158 50 

133,645 18 

34,174 40 

505,000 00 

220,540 00 

57,304 80 

157,308 80 

50,065 00 

342,600 00 

102,350 00 

544,060 00 



Market Value. 

$630,000 00 

108,930 00 

50,000 00 

31,680 00 

461,000 00 

30,234 00 

19,000 00 

91,740 60 

422,428 50 

526,422 00 

117,480 00 

100,000 00 

59,460 50 

2,251,600 00 

575,000 00 

238,000 00 

3,336,700 00 

113,130 00 

290,905 40 

226,840 00 

56,500 00 

100,000 00 

3,795,907 50 

96,294 20 

164,445 00 

1,939,120 00 

3,311,144 40 

51,915 00 

620,000 00 

298,226 20 

395,747 00 

384,160 00 

533,350 00 

200,602 50 

462,500 00 

365,315 20 

267,500 00 

228,760 00 

133,645 18 

36,350 60 

550,000 00 

230,160 00 

57,304 80 

164,000 00 

48,750 00 

350,000 00 

75,000 00 

550,000 00 



THE MUTUAL LIFE INSURANCE COMPANY. 



117 



East Tennessee, Vir. & Georgia R.R. bonds, 
Elmira, Cortland & Northern R.R, bonds, 
Erie Railroad bonds, .... 

Evansville & Terre Haute R R. bonds, . 
Flint & Pere Marquette R.R. bonds, 
Florida Central & Peninsular R.R. bonds, 
Galveston, Harrisb'h & San Ant. R.R. bonds, 
Georgia Pacific Railroad bonds, 
Georgia Railroad & Banking Co. bonds, 
Grand Rapids, Lansing & Detroit R.R. bonds 
Hannibal & St. Joseph R.R. bonds, . 
Indiana, Bloomington & Western R.R. bonds 
Indianapolis & St. Louis R R. bonds, 
Indiana, Decatur & Western R.R. bonds, 
Jamaica & Brooklyn Road Co. bonds, 
Jeffersonville, Madison & Ind. RR. bonds, 
Kan. City, St. Jos. & Council Bluffs R.R. bonds 
Lake Erie & Western Railroad bonds, 
Lake Shore & Michigan So. R.R. bonds, . 
Lexington Ave. & Pavonia Ferry R.R. bonds 
Louisville & Nashville R.R. bonds, . 
Memphis & Charleston R.R. bonds, . 
Metropolitan Elevated R.R. bonds, . 
Metropolitan Street Railway bonds, 
Michigan Central R.R. bonds, 
Milwaukee City R.R. bonds, 
Milwaukee, Lake Shore & Western R R. bonds 
Minneapolis & St. Louis R.R. bonds, 
Minneapolis Street R'y bonds, . 
Mobile & Girard R.R. bonds, . 
Mobile & Ohio R.R. bonds, ... 
Morgan's Louisiana & Texas R.R. bonds, 
Nashville & Decatur R.R. bonds, 
Nashville, Chatt. & St. Louis R R bonds, 
New York Elevated R.R. bonds, 
N. Y., New Haven & Hartford R.R. bonds, 
New York, Ontario & Western R.R. bonds, 
New York, Pennsylvania & Ohio R.R. bonds, 
Ohio & Mississippi R.R, bonds, 
Oswego & Rome R.R. bonds, . 
Pittsburgh & Western R.R. bonds, . 
Pittsburgh Junction R.R. bonds, 
Pitts., Painesville & Fairport R.R. bonds, 
Richmond & Danville R.R. bonds, . 
Richmond, York River & Chesa. R.R. bonds, 
Rutland R.R. bonds, .... 

St. Paul & Duluth R.R. bonds, . 
St. Paul & Northern Pacific R R. bonds, . 



Book Value. 

$158,447 20 
294,180 00 
371,729 50 
284,625 00 
619,190 00 

81,450 60 
146,301 20 

92,267 08 
445,407 20 
244,200 00 
552,200 00 
121,198 50 
445,760 00 
200,076 80 

92,625 00 

77,567 50 
506,685 00 
250,000 00 
1,086,600 00 
505,000 00 
213,401 70 
216,320 00 

84,900 00 
496,500 00 
814,300 00 

61,882 20 
219,405 83 
200,439 90 
183,749 40 
378,790 90 
205,592 40 
264,300 00 

55,452 30 

339,538 60 

150,150 00 

1,200,998 30 

398,250 00 

55,000 00 
249,324 80 
108,170 00 
407,200 00 
400,000 00 
115,050 00 
589,486 81 
612,472 60 
539,370 00 
105,350 00 
261,980 70 



Market Value. 

$159,230 00 
309,000 00 
401,200 00 
270,650 00 
627,605 00 

90,300 00 
140,700 00 

92,267 08 
461,005 20 
125,000 00 
581,800 00 
126,500 00 
493,880 00 
196,000 00 

92,625 00 

79,520 00 
546,750 00 
283,750 00 
1,176,700 00 
550,000 00 
209,542 50 
185,000 00 

88,500 00 
496,500 00 
867,470 00 

62,000 00 
241,400 00 
218,465 40 
193,343 60 
342,900 00 
221,292 60 
306,250 00 

57,242 40 

376,971 90 

150,150 00 

1,350,000 00 

398,250 00 

57,612 50 
249,324 80 
106,410 00 
375,000 00 
458,400 00 
106,200 00 
619,562 50 
603,459 60 
539,370 00 
110,000 00 
272,400 00 



118 



THE MUTUAL LIFE INSURANCE COMPANY. 



St. Paul City R'y bonds, . 

San Antonio & Aransas Pass R.R. bonds 

Seaboard & Roanoke R.R. bonds, 

South Carolina & Georgia R R. bonds, 

Southern Boulevard R R. bonds, 

South Georgia & Florida R.R. bonds, 

South Side of Virginia R.R. bonds, . 

Syracuse, Binghamton & N. Y. R.R. bonds, 

Terminal Railroad Asso. of St. Louis bonds, 

Texas & New Orleans R.R. bonds, . 

Texas & Pacific R.R. bonds, 

Union Railway of New York bonds, 

United Traction & Electric Co. bonds, 

Utah & Northern R.R. bonds, . 

Virginia & Tennessee R R. bonds, . 

Virginia Midland R.R. bonds, . 

Wabash R.R. bonds, . 

Warren & Franklin R.R. bonds, 

Western Railroad of Alabama bonds, 

Wheeling & Lake Erie R R. bonds, . 

Brooklyn & New York Ferry Co. bonds, 

Brooklyn Union Gas Co bonds, 

Brooklyn Wharf & Warehouse Co. bond 

Campbell & Co. bonds, 

Citizens' Gas Light Co. bonds, . 

Corporation of Trinity Church bonds, 

Duluth Union Depot Co. bonds, 

Elmira Municipal Improvement Co. bonds, 

Equitable Gas Light Co. bonds, 

Hoboken Ferry Co. bonds, 

Laclede Gas Light Co. bonds, . 

Long Branch Water Supply Co. bonds, 

Metropolitan Opera & Real Estate Co. bond 

Minneapolis Gas Light Co. bonds, . 

Morris Aqueduct bonds, . 

Municipal Gas Light Co. bonds, 

New York & East River Gas Co. bonds, 

Ocean Steamship Co. bonds, . 

St. Luke's Hospital bonds, 

Sharon Estate Co. bonds, . 

United States Mortgage & Trust Co. bonds, 

Western Union Telegraph Co. bonds, 



Book Value. 

$295,722 90 
415,152 00 
401,920 00 
483,422 40 
245,075 00 
109,154 10 
34,000 00 
265,655 60 
159,055 60 
658,760 60 
92,234 86 
403,487 50 
237,875 00 
418,795 20 
98,476 00 
258,950 00 
2,042,650 37 
100,160 00 
1,546,857 50 
236,175 00 
68,400 00 
1,013,400 00 
2,400,000 00 
26,210 00 
50,000 00 
400,000 00 
308,580 00 
127,294 33 
528,700 00 
629,280 00 
892,700 00 
101,270 00 
863,005 00 
206,960 00 
65,000 00 
26,800 20 
247,500 00 
493,308 40 
700,000 00 
1,200,000 00 
2,013,172 00 
1,150,610 00 



Market Value. 

$333,738 90 
297,000 00 
380,000 00 
483,422 40 
245,075 00 
109,489 60 

34.399 00 
299,903 80 
159,055 60 
658,269 40 

80,000 00 
403,487 50 
243,750 00 
418,795 20 
97,373 10 
275,000 00 

2,063,400 00 
100,160 00 

1,546,857 50 
250,000 00 

68.400 00 
1,043,400 00 
2,400,000 00 

26,210 00 

50,000 00 

400,000 00 

308,580 00 

127,294 33 

568,950 00 

629,280 00 

920,000 00 

101,270 00 

863,005 00 

206,960 00 

65,000 00 

27,000 00 

247,500 00 

493,308 40 

700,000 00 

1,200,000 00 

2,023,204 00 

1,169,010 00 



$95,797,723 32 f 102,265,131 66 



THE MUTUAL BENEFIT LIFE INSUKANCE COMPANY. 119 



"THE MUTUAL BENEFIT LIFE INSURANCE COMPANY," 

NEWARK, N. J. 

[Incorporated Jan. 31, 1845. Commenced business April, 1845.] 

Amzi Dodd, President. Edward L. Dobbins, Secretary. 

Income. 

Received for premiums on new policies, $945,991 05 

Received for renewal premiums, 5,188,429 54 

Dividends applied to pay running premiums, .... 1,037,359 66 

Dividends applied to purchase paid-up additions and annuities, 246,959 08 

Surrender values applied to pay running premiums, . . 10,051 96 
Surrender values applied to purchase paid-up insurance and 

annuities, 343,090 27 

Received for annuities, 32,443 33 

Total premium income, . . . . . . . $7,804,324 89 



Received for interest, ..... 
as discount on claims paid in advance, 
for rents of company's property, 

Premium notes or loans restored, 

Profit on securities sold, 



2,708,174 96 

189 02 

74,687 96 

14,546 10 

40,347 51 



Total income, 
Net or ledger assets Dec. 31, 1894, 



Total, 



$10,642,270 44 
. 53,746,243 36 

$64,388,513 80 



Disbursements. 

Paid for losses and additions, 

Paid for matured endowments and additions, . 

Gross amount paid for losses and endowments, 

Paid to annuitants, 

Premium notes or loans voided by lapse, 
Cash dividends paid policy-holders, .... 

applied to pay running premiums, . 
applied to purchase paid-up additions and 
annuities, ....... 

Surrender values paid in cash, 

applied to pay running premiums, 
applied to purchase paid-up insurance and 
annuities, ...... 

Total paid policy-holders, ...... 

Cash paid for commissions and bonuses to agents, new poli 
cies, $422,982.60 ; renewals, $378,052.71, . 
for salaries and allowances to managers and agents 
for medical examiner's fees, ... 
for salaries of officers and home office employees, 
for taxes on premiums, . . , , , 



^3,800,761 41 
248,916 00 

54,049,677 41 

37,038 52 

32,360 82 

243,121 49 

1,037,359 66 

246,959 08 

864,757 47 

10,051 96 

343,090 27 
;6,864,41fT 68 

801,035 31 
29,934 45 
90,889 96 

175,780 13 
90,165 73 



120 



THE MUTUAL BENEFIT LIFE INSURANCE COMPANY. 



Cash paid for taxes on investments, $105,246.22 ; on reserves, 



1427.67, 

for taxes on real estate, . 

for fees, licenses, etc., 

for advertising, printing and postage, 

for legal expenses, .... 

for real estate expenses (except taxes), 

for incidentals, 

Premiums on bonds purchased, 

Charged off from real estate, .... 



Total disbursements, . 
Balance, .... 

Invested in the following: — 

Assets as per Ledger Accounts 

Value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Par value of stocks and bonds owned (schedule B) 

Cash in company's office, . 

Cash deposited in bank, . 

Agents 1 debit balances, 

Total, 

Deduct agents 1 credit balances, 

Total net or ledger assets, as per balance, 

Other Assets. 
Interest due and accrued, 

Market value of stocks and bonds over par, . 

New Business. 

Uncollected premiums on poli- 
cies in force $88,931 41 

Deferred premiums on policies 

in force, 88,134 54 



$119,373 89 
24,919 52 
11,618 10 
57,682 38 
12,548 69 
32,123 47 
45,499 98 
56,108 24 
41,028 67 



,453,125 20 



)5,935,388 60 



$1,821,678 73 

32,074,240 21 

2,273,500 00 

2,822,766 52 

4,406,146 15 

11,952,019 60 

9,107 23 

571,199 42 

9,526 76 



>5,940,184 62 
4,796 02 



$55,935,388 60 

. 1,155,395 51 
436,269 73 



Total, 

Deduct loading (20 per cent.), 

Net amount of uncollected and 
deferred premiums, 



$177,065 95 
35,413 19 



Renewals. 

$247,150 29 

456,380 58 

$703,530 87 
140,706 17 



$141,652 76 $562,824 70 



Total assets, per company's books, . . . . 

Items not Admitted and Depreciation. 
Agents' debit balances, 

Total admitted assets, ...... 



704,477 46 
,231,531 30 

9,526 76 
,222,004 54 



THE MUTUAL BENEFIT LIFE INSURANCE COMPANY. 121 



$21,674 00 

256,207 38 

5,000 00 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent), . 
Matured endowments unpaid, .... 
Death losses in process of adjustment, , 
Claims resisted by the company, 

Total policy claims, 

Unpaid dividends of surplus due policy-holders, 
Premiums paid in advance, .... 
Due for taxes, fees, salaries, expenses, etc., . 

Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 



$53,528,405 00 



Gross liabilities, 



282,881 38 

354,092 30 

12,089 86 

20,000 00 

$54,197,468 54 
. 4,024,536 00 

$58,222,004 54 



Premium Note Account. 



Premium notes on hand Dec. 31, 1894, . 
Premium notes received during 1895 (new 
policies, $87,546.77; old policies, $525,- 

302.70), . 

Premium notes restored by revival of policies, 

Total, 

Used in payment of losses and claims, . 
Used in purchase of surrendered policies, 

Voided by lapse, 

Used in payment of dividends to policy-holders, 
Redeemed by maker in cash, .... 

Total, 

Balance note assets Dec. 31, 1895, . , 



1,343,009 19 



612,849 47 

14,546 10 

$141,588 34 

192,290 03 

32,360 82 

10,556 42 

187,463 00 



^,970,404 76 



564,258 61 
t,406,146 15 



Exhibit of Policies. 

Policies and Additions in Force Dec. 31, 1894. 



Whole life, . 
Endowment, 
All other, . 
Reversionary additions, 



Number. Amount. 

57,939 $152,175,047 00 

17,902 42,707,756 00 

4,903 12,398,300 00 

1,718,711 00 



Total Number. Total Amount. 



80,744 $208,999,814 00 



Whole life, . 
Endowment, 
All other, . 



Policies issued during the Tear. 



9,188 $22,301,407 00 
2,619 5,599,742 00 
1,511 3,702,761 00 



13,318 31,603,910 00 



122 THE MUTUAL BENEFIT LIFE INSURANCE COMPANY. 



Whole life, . 
Endowment, 



Old Policies revived. 

Number. Amount. Total Number. Total Amount. 

46 $171,400 00 
35 89,000 00 
81 $260,400 00 



Whole life, . 
Endowment, . , 

Additions by dividends, 



Old Policies increased. 

15 $48,309 00 

32 81,588 00 



47 



129,897 00 
499,439 00 



Total, 94,190 $241,493,460 00 

Policies terminated during the Year. 

Whole life,. . . . 6,231 $15,645,225 00 
Endowment, . . . 1,872 4,084,138 00 
All other, .... 1,171 3,489,579 00 



9,274 $23,218,942 00 



How terminated. 



By death, . 


. 1,183 


$3,836,585 00 


maturity, 


126 


240,321 00 


expiry, . 


931 


2,685,679 00 


surrender, 


. 3,126 


7,875,206 00 


lapse, . 


. 2,154 


4,524,712 00 


Not taken, . 


. 1,754 


4,056,439 00 



9,274 23,218,942 00 



Policies in Force Dec. 31, 1895, 



Whole life,. 
Endowment, 
All other, . 
Reversionary additions, 



60,957 $159,050,938 00 

18,716 44,393,948 00 

5,243 12,732,773 00 

2,096,859 00 



84,916 $218,274,518 00 



Schedule A. 
Securities held as Collateral. 



Essex County National Bank, Newark, stock, 
Newark City National Bank, Newark, stock, 
National Newark Banking Co., Newark, stock 
Second National Bank, Newark, stock, . 
National State Bank, Newark, stock, 
Manufacturers' National Bank, Newark, stock 
Merchants' National Bank, Newark, stock, 
American Insurance Co., Newark (scrip), 



Market Value 

$12,750 00 
15,600 00 
6,720 00 
2,900 00 
6,474 00 
4,400 00 
2,400 00 
12,480 00 J 



Amount Loaned. 



)■ $45,000 00 



THE MUTUAL BENEFIT LIFE INSUKANCE COMPANY. 123 



Morris and Essex Railroad bonds, . 
National State Bank, Newark, stock, 
National Newark Banking Co., Newark, stock 
Merchants 1 Insurance Co., Newark, stock, 
Firemen's Insurance Company, Newark, stock 
Delaware and Hudson Canal Company stock, 
Consolidated Gas Company, New York, stock 
St. Paul & Duluth Railroad stock, . 
Laclede Gas Company, St. Louis, stock, . 
Houston & Texas Central Railroad bonds, 
Duluth, South Shore & Atlantic R.R. bonds, 
Texas & Pacific Railroad bonds, 
Belleville & Southern Illinois R.R. stock, 
St. Paul & Duluth Railroad stock, . 
Rio Grande Western Railroad stock, 
Chicago & Alton Railroad stock. 
Edison Electric Illuminating Co., N. Y., stock 
Manhattan Elevated Railroad stock, 
Lake Erie & Western Railroad stock, 
Edison Elec. Illuminating Co., Brooklyn, stock 
St. Louis, Alton & Terre Haute R.R. bonds, 
Burlington, Cedar Rapids and Northern bonds 
Rio Grande Western Railroad bonds, 
Chicago, Milwaukee & St. Paul R.R. stock, 
Chicago, Rock Island & Pacific R.R. stock, 
Canada Southern Railroad stock, 
Lake Shore & Michigan Southern R.R. stock 
Canada Southern Railroad stock, '. 
Chicago, Rock Island & Pacific R.R. stock, 
Manhattan Elevated Railroad stock, 
St. Paul, Minneapolis & Manitoba R.R bonds 
Missouri, Kansas & Eastern Railroad bonds, 
Pullman's Palace Car Company stock, 
Chicago, Milwaukee & St. Paul R.R. stock, 
Missouri, Kansas & Texas Railroad bonds, 
Wabash Railroad Company bonds, . 
Kentucky Central Railroad bonds, . 
Chicago & Northwestern Railroad bonds, 
Richmond & Danville Railroad bonds, 
Lehigh & Wilkesbarre Coal Company bonds 
Consolidated Gas Company, N. Y., stock, 
Houston & Texas Central R.R. bonds, 
Columbus, Hocking Val. & Toledo R.R. b'ds 
Canada Southern Railroad stock, 
Western Union Telegraph Co. stock, 
Chicago & Alton R.R. stock, . 
Michigan Central R.R. stock, . 
Western Union Telegraph Co. bonds, 
New York, Chicago & St. Louis R.R. bonds, 



Market Value. 

$7,810 00 

780 00 >> 

1,008 00 I 

2,750 00 j 

645 00 ' 

18,600 00 ^ 

43,800 00 

8,500 00 

7,500 00 j- 

39,920 00 

8,000 00 

800 00 

78,600 00^ 

8,500 00 

60,000 00 

7,650 00 

4,500 00 

15,300 00 } 

6,600 00 

10,000 00 

6,180 00 

9,000 00 

3,800 00 J 

34,000 00 > 

13,200 00 | 

14,100 00 J 

28,800 00^ 

4,700 00 { 

13,200 00 i 

14,790 00 J 

118,000 00 } 

4,200 00 5 

45,000 00 

6,800 00 

1,660 00 

58,930 00 

1,700 00 

3,060 00 

1,200 00 

5,250 00 J 

43,800 00 

8,560 00 

8,300 00 

23,500 00^ 

17,000 00 

15,300 00 

9,100 00 

54,000 00 

5,150 00 J 



Amount Loaned. 

$4,500 00 



4,000 00 



100,000 00 



150,000 00 



50,000 00 

50,000 00 
100,000 00 



} 100,000 00 



50,000 00 



}> 100,000 00 



124 THE MUTUAL BENEFIT LIFE INSURANCE COMPANY. 



Newark Gas Light Co. bonds, . 

First mortgage on real estate, Newark, N. J. 

Great Northern R.R. stock, 

Chicago, St. Paul, Minn. & Omaha RR. stock 

Chicago, Burlington & Quincy R.R. stock, 

Chicago, Milwaukee & St. Paul R.R. stock, 

Great Northern R.R. stock, 

Lake Erie & Western R.R stock, 

Pennsylvania Coal Co. stock, . 

Chicago, Burlington & Quincy R.R. stock, 

Chicago, Milwaukee & St. Paul R.R. stock, 

Chicago & Northwestern R R. stock, 

Mobile & Ohio R.R bonds, 

Chesapeake & Ohio R.R. bonds, 

General Electric Co. bonds, 

Chicago, Milwaukee & St Paul R.R. bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

Texas & Pacific R.R bonds, 

Chicago, Rock Island & Pacific R.R. stock, 

Manhattan Elevated Railroad stock, 

Western Union Telegraph Co. stock, 

Chicago & Alton Railroad stock, 

Chicago & Northwestern Railroad stock, 

Texas & Pacific Railroad bonds, 

St. Louis Southwestern Railroad bonds, . 

Northern Pacific Terminal Company bonds, 

N. Y., Susquehanna & Western R.R. bonds, 

Nashville, Chat. & St. Louis R.R. bonds, . 

Milwaukee & Northern Railroad bonds, . 

Morris & Essex Railroad bonds, 

Chicago & Indiana Coal Railroad bonds, 

Lake Erie & Western Railroad stock, 

Central Railroad of New Jersey stock, . 

Great Northern Railroad stock, 

St. Paul, Minneapolis & Manitoba R.R. bonds 

Southern Railway bonds, .... 

N. Y., Susquehanna & Western R.R. bonds, 

Winona & St. Peters Railroad bonds, 

Wabash Railroad bonds, .... 

Northern Pacific Terminal Company bonds, 

Wabash Railroad bonds, .... 

Texas & Pacific Railroad bonds, 

Alabama Central Railroad bonds, . 

Long Dock Company bonds, 

Rio Grande Western Railroad bonds, 

Richmond & Danville Railroad bonds, 

Chicago, Rock Island & Pacific R.R. stock, 

Manhattan Elevated Railroad stock, 

Chicago & Alton Railroad stock, 



Market Value. 

$49,600 00 
38,000 00 
55,000 00 >| 



Amount Loaned. 

|30,000 00 
18,000 00 



23,200 00 ( 



37,500 00 . 
6,800 00 J 
88,000 00 ^ 
52,800 00 
16,250 00 
6,675 00 
20,400 00 
14,700 00 
6,200 00 
11,660 00 
4,250 00 
10,900 00 
1,200 00 
7,200 00 J 
33,000 00 
20,400 00 
8,500 00 
15,300 00 
19,600 00 
1,600 00 
6,900 00 y 
3,120 00 
9,400 00 
1,300 00 
1,150 00 
1,420 00 
5,150 00 
19,800 00^ 
29,700 00 | 
24,750 00 J> 
29,500 00 | 
21,160 00 j 
4,700 00 
3,840 00 
5,350 00 
2,080 00 
11,360 00 
6,400 00 
17,600 00 j> 
5,200 00 
1,520 00 
12,000 00 
19,800 00 
20,400 00 
15,300 00 J 



}> 100,000 00 



> 200,000 00 



100,000 00 



100,000 00 



100,000 00 



THE MUTUAL BENEFIT LIFE INSURANCE COMPANY. 125 



Chicago, Milwaukee & St. Paul R.R. stock, 
Great Northern Railroad stock, 
Pullman's Palace Car Company stock, . 
Lake Erie & Western Railroad stock, 
Manhattan Elevated Railroad Company stock 
Long Island Railroad stock, 
Louisville, New Albany & Chicago R R. bonds 
Lake Shore & Michigan Southern R.R. stock 
Great Northern Railroad stock, 
Lake Erie & Western Railroad stock, 
Pennsylvania Coal Company stock, 
Manhattan Elevated Railroad stock, 
Chicago & Northwestern Railroad stock 
Burlington, Cedar Rapids & North'n R.R. b'ds 
Cairo, Arkansas & Texas R.R. bonds, 
St. Louis & Iron Mountain Railroad bonds, 
Evansville & Terre Haute Railroad bonds, 
Louisville & Nashville Railroad bonds, 
Pittsburgh & Western Railroad bonds, 
Essex County, New Jersey, park bonds, 
Chicago & Erie Railroad bonds, 
Rensselaer County, New York, bonds, 
State of Indiana bonds, . 
Trenton Water Company, Trenton, Mo, b'ds 
Illinois Central Railroad bonds, . . 
Great Northern Railroad stock, 
Lake Erie and Western Railroad stock, 
New York, New Haven & Hartford R.R. stock 
Chicago & Northwestern Railroad stock, 
Chicago, Milwaukee & St. Paul R.R. stock, 
Chicago, Burlington & Northern R.R. bonds, 
Chicago, St. Paul, Minn. & Omaha R.R. bonds 
Chicago Junction R R. & Stock Yards Co. b'ds 
Colorado Coal & Iron Company bonds, . 
St. Paul, Minneapolis & Manitoba R.R. bonds 
Vicksburg & Meriden Railroad bonds, 
Rio Grande Western Railroad bonds, 
Jersey City water loan bond, . 
City of Quincy, 111., bond, . . , 
City of Mobile, Ala , bond, 
East Tennessee, Virginia & Georgia R.R. b'ds 
Chicago & Western Indiana Railroad bonds, 
Columbus, Hocking Valley & Toledo R'y b'ds 
Chicago, Rock Island & Pacific R.R. stock, 
Canada Southern Railroad stock, 
Rensselaer County, New York, bonds, 
State of Indiana bonds, 
New York City bonds, 
Essex County, New Jersey, park bonds, 



Market Value. Amount Loaned. 

$6,800 00 >! 
44,000 00 
30,000 00 
26,400 00 j> { 

2,040 00 

4,150 00 
12,240 00 J 
14,100 00 
77,000 00 
26,400 00 
32,500 00 

2,346 00 

9,800 00 j> 150,000 00 

8,000 00 

3,000 00 

1,000 00 
11,000 00 

1,070 00 J 
40,000 00 ^ 
23,000 00 
55,000 00 I 100,000 00 

6,000 00 | 

5,000 00 J 
20,000 00 10,000 00 
15,600 00 12,000 00 
44,000 001 
33,000 00 

4,425 00 

9,800 00 

4,080 00 

1,000 00 

1,240 00 

4,500 00 

1,800 00 

2,360 00 

2,000 00 
760 00 

1,000 00 

1,000 00 

1,000 00 

3,120 00 

9,540 00 

4,150 00 J 
33,000 00 1 

9,400 00 
18,000 00 

5,000 00 > 100 ' 000 00 
33,000 00 
25,000 00, 



> 100,000 00 



126 THE MUTUAL BENEFIT LIFE INSURANCE COMPANY. 



Great Northern Railroad stock, 

Lake Erie & Western Railroad stock, 

St. Paul, Minneapolis & Manitoba R.R. stock, 

New York, Susquehanna & West. R R. bonds 

St. Louis & Iron Mountain Railroad bonds, 

Louisville, New Albany & Chic. R.R. bonds, 

St. Paul, Minneapolis & Manitoba R.R. bonds 

United States coupon bonds, 

Great Northern Railroad stock, 

Chicago, Milwaukee & St. Paul R.R. stock, 

Chicago, Rock Island & Pacific R R. stock, 

Chicago & Northwestern Railroad stock, 

Manhattan Elevated Railroad! stock, 

Rio Grande Western Railroad bonds, 

Gal., Harrisburgh & San Antonio R.R. bonds 

Southern Pacific R.R. of Arizona bonds, . 

Columbia & Greenville Railroad bonds, . 

Georgia Pacific Railroad bonds, 



> $100,000 00 



Market Value. Amount Loaned. 

$56,100 00^ 
13,200 00 
11,000 00 

8,500 00 

2,370 00 

4,760 00 
29,500 00 
76,160 00^ 
33,000 00 | 
13,600 00 J 
33,000 00> 
19,600 00 I 
20,400 00 I 
11,400 00 | 
13,800 00 
14,400 00 
11,400 00 

3,450 00 J 



100,000 00 



y 100,000 oo 



>,899,163 00 $2,273,500 00 



Schedule B. 



Bonds owned by the 



United States bonds, 

Essex County, N. J., bonds, 

Union County, N. J., bonds, 

Mercer County, N. J., bonds, . 

Elizabeth City County, Va., bonds, 

Buchanan County, Mo., bonds, . 

Pettis County, Mo., bonds, 

Lincoln County, Mo., bonds, 

Doniphan County, Kan., bonds, 

Uinta County, Wyo., bonds, 

Township of West Orange, N. J., bonds, 

Township of East Orange, N. J., bonds, 

Township of Milburn, N. J., bonds, 

City of Newark, N. J., bonds, . 

City of Cleveland, Ohio, bonds, 

City of Colorado Springs, Col., bonds, 

Township of Montclair, N. J., bonds, 

City of Columbus, Ohio, bonds, 

City of Elizabeth, N. J , bonds, 

City of Orange, N. J , bonds, . 

City of Rahway, N. J., bonds, . 

City of Saginaw, Mich., bonds, 

City of Sandusky, Ohio, bonds, 

City of Sedalia, Mo., bonds, 

City of Springfield, 111., bonds, 



Company. 

Par Value. 

$302,000 00 

540,000 00 

4,000 00 

10,000 00 

12,000 00 
400,000 00 

99,500 00 
148,000 00 
370,000 00 

52,000 00 
128,500 00 
217,416 76 

42,000 00 
1,180,000 00 

50,000 00 

50,000 00 
275,000 00 

34,000 00 
1,056,000 00 

60,000 00 

90,401 33 

100,000 00 

5,000 00 

54,500 00 
114,300 00 



Market Value. 

$337,190 00 

586,435 00 

4,000 00 

10,000 00 

12,000 00 
420,000 00 
100,350 00 
151,480 00 
390,350 00 

52,000 00 
139,405 00 
217,416 76 

42,000 00 
1,189,800 00 

50,000 00 

51,000 00 
286,925 00 

34,000 00 
1,003,200 00 

61,650 00 

72,321 06 

102,900 00 

5,000 00 

54,500 00 
114,300 00 



TIJE MUTUAL BENEFIT LIFE INSURANCE COMPANY. 127 



City of South Bend, Ind., bonds, 
City of Toledo, Ohio, bonds, . 
Trenton, N. J., bonds, 
Colorado State Warrants, . 
Elizabethtown Gas Light Co. bonds, 
Elizabethtown Water Co. bonds, 
Hackensack, N. J , Water Co. bonds, 
Hobokon Land & Improvement Co. bonds, 
The Long Dock Co. bonds, 
University of City of New York bonds, 
Belvidere Delaware Railroad bonds, 
West Shore bonds, .... 
Chicago, Burlington & Quincy Railroad bouds 
Central Railroad of New Jersey bonds, . 
Perth Amboy & Woodbridge Railroad bonds 
Chicago, Rock Island & Pacific Railroad b'ds 
Freehold & Jamesburg Agricultural R.R. b'cls 
Shamokin, Sunbury & Lewisburg R.R. bonds 
Wilkesbarre and Scranton R.R. bonds, . 
New York, Susquehanna & Western R R. b'ds 
Phila., Wilmington & Baltimore R.R. bonds, 
Philadelphia and Erie Railroad bonds, 
Cleveland & Canton Railroad bonds, 
Seattle, Lake Shore & Eastern Railroad bonds 
Saginaw & Western Railroad bonds, 
Morris & Essex Railroad bonds, 
N. Y., Lackawanna & Western R.R. bonds, 
Lehigh Valley Railroad bonds, 
Lehigh Valley Terminal Railroad bonds, 
Rio Grande Western Railroad bonds, 
Jackson, Lansing & Sagiuaw Railroad bonds 
Baltimore & New York Railroad bonds, . 
Rapid Transit Street Railroad bonds, 
Kansas City Elevated Railroad bonds, 
Pittsburg, Cincinnati & St. Louis R.R. bonds 
United N. J. Railroad & Canal Co. bonds, 
Long Island Railroad bonds, . 
Chicago & Northwestern Railroad bonds, 
St. Louis, Alton & Terre Haute R.R. bonds, 
Cincinnati, Ind , St. Louis & Chic. R.R. bonds 
North Hudson County Railroad bonds, . 
Pittsburgh & Connellsville Railroad bonds, 
Rome, Watertown & Ogdensburg R.R. bonds 
Freemont, Elkhorn & Miss. Valley R.R. bonds 
Iowa Midland Railroad bonds, 
Louisville & Nashville Railroad bonds, . 
Orange & Newark Horse Car Railroad bonds, 



Par Value. 

$90,000 00 
45,000 00 
18,000 00 
49,401 51 
100,000 00 
17,000 00 
200,000 00 
100,000 00 
310,000 00 
20,000 00 
750,000 00 
200,000 00 
300,000 00 
250,000 00 
100,000 00 
100,000 00 
100,000 00 
40,000 00 
100,000 00 
150,000 00 
250,000 00 
500,000 00 
50,000 00 
50,000 00 
25,000 00 
300,000 00 
242,000 00 
150,000 00 
213,000 00 
150,000 00 
72,000 00 
253,000 00 
94,000 00 
230,000 00 
100,000 00 
250,000 00 
24,000 00 
36,000 00 
100,000 00 
100,000 00 
50,000 00 
100,000 00 
90,000 00 
16,000 00 
13,000 00 
50,000 CO 
10,000 00 



Market Value. 

§90,000 00 
45,000 00 
18,000 00 
49,401 51 
100,000 00 
15,300 00 
214,000 00 
107,000 00 
401,450 00 
20,000 00 
750,000 00 
208,000 00 
299,500 00 
285,000 00 
1< .0,000 00 
101,500 00 
100,000 00 
40,000 00 
100,000 00 
151,500 00 
250,000 00 
500,000 00 
42,500 00 
20,750 00 
12,500 00 
426,000 00 
264,800 00 
153,750 00 
239,625 00 
111,000 00 
75,240 00 
263.120 00 
94,000 00 
230,000 00 
113,000 00 
277,000 00 
28,800 00 
38,340 00 
103,500 00 
97,000 00 
52,000 00 
106,000 00 
105,750 00 
20,320 00 
15,470 00 
52,750 00 
11,200 00 



$11,952,019 60$12,388,289 33 



128 NATIONAL LITE INSURANCE COMPANY. 



" NATIONAL LIFE INSURANCE COMPANY," MONTPELIER, 

VERMONT. 

[Incorporated Nov. 13, 1848. Commenced business Feb. 1, 1850.] 

Charles Dewey, President. Geo. W. Reed, Secretary. 

Income. 

Received for premiums on new policies, .... $510,987 07 

Received for renewal premiums, 2,134,774 22 

Dividends applied to pay running premiums, .... 87,303 63 

Dividends applied to purchase paid-up additions and annuities, 2,343 69 
Surrender values aj)plied to purchase paid-up insurance and 

annuities, 37,127 95 

Received for annuities, ........ 14,027 83 

Total premium income, . $2,786,564 39 

Received for interest, ........ 487,722 96 

Received for rents of company's property, .... 25,186 32 

Total income, . $3,299,473 67 

Net or ledger assets Dec. 31, 1894, 10,205,635 60 

Total, $13,505,109 27 

Disbursements. 

Paid for losses and additions, . . . . . . $724,903 35 

for matured endowments, 55,042 00 

on matured instalment policies, 1,305 20 



Gross amount paid for losses and endowments, . . $781,250 55 

Paid to annuitants, 1,690 75 

Cash dividends paid policy-holders, ..... 22,817 95 

applied to pay running premiums, . . . 87,303 63 
applied to purchase paid-up additions and 

annuities, 2,343 69 

Surrender values paid in cash, ....... 452,512 62 

Surrender values applied to purchase paid-up insurance and 

annuities, 37,127 95 



Total paid policy-holders, $1,385,047 14 

Cash paid for commissions and bonuses to agents, new poli- 
cies, $281,792.79 ; renewals, $138,652.93, . '. 420,445 72 
for salaries and allowances to managers and agents, 44,645 80 

for medical examiner's fees, 38,114 28 

for salaries of officers and home office employees, 45,505 32 
for taxes on new premiums, $ 7,503.60; on re- 
newals, $29,868.97, 37,372 57 

for taxes on investments, $172.73 ; on reserves, 

$7,649.90, 7,822 63 



NATIONAL LIFE INSURANCE COMPANY, 



129 



Cash paid for taxes on real estate, . 

for fees, lieenses, etc., 

for rent, 

for commuting commissions, . 

for advertising, printing, postage, etc., 

for legal expenses, . 

for furniture and office fixtures, 

for real estate expenses (except taxes), 

for loss on sales of property, . 

Profit and loss, 

Premiums on bonds purchased, 



Total disbursements, 

Balance, 

Invested in the following : — 

Assets as per Ledger Accounts 



Cost of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Par value of stocks and bonds owned (schedule B), 

Cash in company's office, . 

Cash deposited in bank, . 

Agents 1 debit balances, 

Ledger assets as per balance, . 

Other Assets. 
Interest due and accrued, 

Market value of stocks and bonds, over par, . 

New Business. 

Uncollected premiums on poli- 
cies in force, .... $67,180 38 

Deferred premiums on policies 
in force, 50,448 83 



$15,154 32 

3,148 43 

28,853 03 

103,894 36 

44,450 47 

838 55 

10,608 43 

18,070 05 

1,651 28 

167 36 

17,971 75 



$2,223,761 49 



$11,281,347 78 



$763,603 57 

4,478,674 45 

143,775 00 

1,084,080 82 

303,894 09 

4,269,494 35 

12,796 79 

225,003 09 

25 62 

$11,281,347 78 



331,086 86 
169,440 44 



Total, 

Deduct loading (20 per cent.), . 

Net amount of uncollected and 
deferred premiums, 



$117,629 21 
23,525 84 



Renewals. 

$153,631 87 

186,086 58 

|339,718 45 
67,943 69 



• 4,103 37 $271,774 76 



Total assets, per company's books, . 

Items not Admitted. 
Agents' debit balances, 

Total admitted assets, .... 



365,878 13 
$12,147,753 21 



25 62 



$12,147,727 59 



130 



NATIONAL LIFE INSURANCE COMPANY. 



$5,000 00 
13,680 00 
17,000 00 



Liabilities. 

Computed premium reserve or net present value of all out 

standing policies (actuaries 1 4 per cent.), 
Present value of unpaid instalments, 
Commissions due on premium notes, 
Death losses due and unpaid, .... 
Death losses in process of adjustment, 
Claims resisted by the company, 

Total policy claims, 

Uupaid dividends of surplus due policy-holders, 
Premiums paid in advance, .... 
Due for taxes, fees, salaries, expenses, etc., 
Contingent surrender value, .... 
Extra reserve on life-rate endowment policies, 

Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 

Gross liabilities, ..... 



110,295,941 00 

18,803 75 

1,902 42 



35,680 00 

9,722 51 

978 74 

9,792 50 

12,815 19 

359,570 36 

$10,745,206 47 
. 1,402,521 12 



$12,147,727 59 



Premium Note Account. 



Premium notes on hand Dec. 31, 1894, 
Premium notes rec'd during 1895 (old pol 1 s), 

Total, 

Used in payment of losses and claims, 
Used in purchase of surrendered policies, 
Voided by lapse, .... 
Redeemed by maker in cash, . 

Total, 

Balance note assets Dec. 31, 1895, 



$257,259 65 
270,005 44 



$3,373 59 

36,922 74 

33,102 42 

149,972 25 



$527,265 09 



— 223,371 00 



$303,894 09 



Exhibit of Policies. 

Policies and Additions in Force Dec. 31, 1894. 

Total No. Total Amount. 





Number. 


Amount. 


Whole life, 


. 20,119 


$48,816,026 00 


Endowment, 


. 9,710 


15,062,531 00 


All other, . 


357 


1,004,750 00 


Reversionary additions, 


# 


62,643 00 



30,186 $64,975,950 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 
. 5,270 $11,165,745 00 
. 1,948 3,825,016 00 
224 611,300 00 



7,442 15,602,061 00 



NATIONAL LIFE INSURANCE COMPANY. 



131 



Old Policies revived. 



Whole life, 
Endowment, 



Number. 

60 
21 



Amount. 

$160,100 00 
40,500 00 



Total No. 



81 



Whole life policies increased, - 

Additions by dividends, - 

Total, 37,709 

Policies terminated during the Year. 

Whole life, . . . 3,437 $8,213,237 00 

Endowment, . . . 1,392 2,458,328 00 

All other, .... 138 388,797 00 

4,967 $11,060,362 00 



Total Amount. 

$200,600 00 
1,000 00 
4,393 00 



,784,004 00 



By death, . 
maturity, 
expiry, . 
surrender, 
lapse, . 
change and decrease, 
not taken, 



How terminated. 

319 $758,959 00 

51 55,042 00 

56 211,500 00 

1,568 3,270,826 00 

1,893 3,806,450 00 

56 396,500 00 

1,024 2,561,085 00 



4,967 11,060,362 00 



Whole life, 
Endowment, 
All other, . 
Eeversionary additions, 



Policies in Force Dec. 31, 1895. 

. 22,012 $51,959,634 00 

. 10,287 16,469,719 00 

443 1,232,800 00 

61,489 00 



32,742 



Schedule A. 
Securities held as Collateral. 

Market Value. 

National Car Company stock, St. Albans, Vt., . f 6,1 25 00 

Lane Manufacturing Co. stock, Montpelier, Vt., 

Chattel mortgage, law library, . . 

Gordon Orchard & Vineyard Co , Cal., stock, . 

Banner Vineyard Co., Cal., stock, . 

Gordon Orch'd & Viney'd Co., notes endorsed, 

Grangeville Viney'd Co , Cal., notes endorsed, 

Vermont Marble Co. bonds, Proctor, Vt , 

Note, personal security, . 

Sheldon Marble Co. bonds, Rutland, Vt, 

Neshobe Electric Co., Brandon, Vt. stock, 



75,250 00 
600 00 
5,500 00 >j 



,723,642 00 



Amount Loaned 

$5,000 00 

33,500 00 

275 00 



6,800 00 



4,500 00 i 

4,000 00 J 

51,600 00 

13,000 00 

25,000 00 

8,000 00 



\ 12,500 00 



50,000 00 

13,000 00 

25,000 00 

4,500 00 



$200,375 00 $143,775 00 



132 



NATIONAL LIFE INSURANCE COMPANY. 



Schedule B. 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

First National Bank, Montpelier, Vt., stock, . $20,800 00 $20,800 00 

Montpelier Nat'l Bank, Montpelier, Vt., stock, 1,700 00 2,975 00 

United States bonds, 205,000 00 237,600 00 

New Hampshire State bonds, .... 11,000 00 12,879 90 

Vermont State bonds, 50,000 00 50,069 00 

City of Barre, Vt., bonds, . . . . 15,000 00 15,027 00 

City of Burlington, Vt., bonds, . . . 25,000 00 26,317 50 

City of Montpelier, Vt., bonds, . . . 26,000 00 26,000 00 

City of Rutland, Vt., bonds, .... 40,000 00 40,117 00 

City of Vergennes, Vt., bonds, . . . 3,500 00 3,624 60 

Town of Arlington, Vt., bonds, . . . 15,000 00 15,121 50 

Town of Bakersfield, Vt., bonds, . . . 3,000 00 3,076 80 

Town of Brighton, Vt., bonds, .... 12,500 00 13,003 75 

Town of Greensboro, Vt , bonds, . . . 3,500 00 3,607 10 

Town of Highgate, Vt , bonds, . . . 17,000 00 17,515 10 

Town of Jamaica, Vt., bonds, .... 12,000 00 12,366 40 

Town of Jay, Vt., bonds, . . . . . 2,000 00 2,028 80 

Town of Jericho, Vt., bonds, .... 3,000 00 3,029 10 

Town of Mount Tabor, Vt , bonds, . . . 6,000 00 6,269 40 

Town of Newfane, Vt., bonds, . . . 12,000 00 12,185 60 

Town of Rutland, Vt., bonds, .... 9,09537 9,21995 

Town of West Rutland, Vt., bonds, . . 17,500 00 17,615 50 

Town of Sheldon, Vt., bonds, . . . . 19,000 00 19,535 80 

Town of Swanton, Vt., bonds, .... 72,100 00 74,166 22 

Town of Townsend, Vt., bonds, . . . 12,000 00 12,337 70 

Town of Underhill, Vt., bonds, . . . 11,000 00 11,130 90 

Village of Barre, Vt., bonds, .... 45,000 00 45,175 50 

Village of Barton Landing, Vt., bonds, . . 12,800 00 13,61152 

Village of Bradford, Vt., bonds, . . . 27,000 00 27,397 51 

Village of Brandon, Vt., bonds, . . . 30,000 00 30,176 50 

Village of Brattleboro, Vt , bonds, . . . 3,500 00 3,510 50 

Village of Hartford, Vt., Fire District bonds, . 12,0C0 00 12,112 80 

Village of Johnson, Vt., bonds, . . . 10,000 00 10,099 00 

Village of Ludlow, Vt., bonds, . . . 30,000 00 30,175 50 

Village of North Troy, Vt , bonds, . . . 16,000 00 16,608 00 

Village of Richford, Vt., bonds, . . . 17,000 00 17,605 20 

Village of St. Albans, Vt., bonds, . . . 60,000 00 60,420 00 

Village of St. Johnsbury, Vt., bonds, . . 6,000 00 6,064 20 

Village of West Randolph, Vt., bonds, . . 8,000 00 8,075 20 

Barre, Vt., School District bonds, . . . 6,500 00 6,773 60 

Brattleboro, Vt., School District bonds, . . 20,000 00 20,296 00 

Sheldon Marble Co. bonds 50,000 00 50,680 00 

Vermont Marble Co. bonds, .... 20,000 00 21,082 00 

City of Boston, Mass., bonds, .... 10,00000 11,72700 

City of Meriden, Conn., bonds, . . . 18,000 00 18,749 65 



NATIONAL LIFE INSURANCE COMPANY. 



133 



City of Long Branch, N. J., bonds, 
Town of Union, N. J., bonds, . 
Town of Beaver, Pa., bonds, . 
Town of DuBois, Pa., bonds, . 
Town of Dnquesne, Pa., bonds, 
Town of Rochester, Pa., bonds, 
City of East Liverpool, Ohio, bonds 
City of Fostoria, Ohio, bonds, . 
City of Piqua, Ohio, bonds, 
City of Zanesville, Ohio, bonds, 
City of Xenia, Ohio, bonds, 
Town of Wellston, Ohio, bonds, 
Village of Bridgeport, Ohio, bonds, 
Village of Leetonia, Ohio, bonds, 
Village of Lorain, Ohio, bonds, 
Village of Louisville, Ohio, bonds, 
Collinwood, Ohio, school district bonds, 
Dennison, Ohio, school district bonds, 
Martin's Ferry, Ohio, school district bonds, 
Ottawa, Ohio, school district bonds, 
County of Montgomery, Ind., bonds, 
Anderson, Ind., school district bonds, 
Indianapolis, Ind., school district bonds, 
Logansport, Ind., school district bonds, 
City of Crystal Lake, 111., bonds, 
City of Springfield, 111., bonds, 
City of Woodstock, 111., bonds, 
East St. Louis, 111., school district bonds, 
Rock Island, 111., school district bonds, 
City of Huntington, W. Va., bonds, 
Paris, Ky., school district bonds, 
City of Escanaba, Mich., bonds, 
City of Grand Haven, Mich,, bonds, 
City of Hillsdale, Mich., bonds, 
City of Niles, Mich., bonds, 
City of St. Joseph, Mich., bonds, 
Village of Buchanan, Mich., bonds, . 
Village of Clinton, Mich., bonds, 
Village of Quincy, Mich , bonds, 
Tecurnseh, Mich., school district bonds, 
Cheboygan, Mich., school district bonds, 
Frankfort, Mich , school district bonds, . 
Mt. Clemens, Mich , school district bonds, 
Sault Ste. Marie, Mich., school district bonds 
• County of West Bay, Wis , bonds, 
City of Outagamie, Wis , bonds, 
City of Appleton, Wis., bonds, 
City of Fond du Lac, Wis., bonds, 



Par Value. 

$20,000 00 
20,000 00 
17,500 00 
32,000 00 
20,000 CO 
15,000 00 
20,000 00 
16,000 00 
10,000 00 
75,000 00 

6,000 00 
40,000 00 
25,000 00 

6,000 00 

9,000 00 
18,000 00 
20,000 00 

4,500 00 
10,000 00 
20,000 00 
15,000 00 

5,500 00 
12,000 00 
16,000 00 

5,000 00 
18,200 00 
10,000 00 
17,000 00 
25,000 00 
47,000 00 
25,000 00 
20,000 00 
13,000 00 

9,500 00 
12,000 00 
17,000 00 
10,000 00 

6,000 00 

6,000 00 
15,000 00 
30,000 00 
15,000 00 
10,000 00 
15,000 00 

9,000 00 
25,000 00 
12,500 00 
20,000 00 



Market Value. 

$20,424 00 
20,362 00 
18,019 85 
32,592 00 
20,545 00 
15,472 50 
20,700 00 
16,416 00 
10,544 00 
75,902 50 

6.084 60 
41,084 75 
26,857 50 

6.085 20 
9,574 20 

18,718 20 

20.444 00 
4,596 75 

10,541 00 
20,180 00 
15,264 00 

5,667 20 
12,049 20 
16,560 00 

5,255 50 
18,942 56 
10,139 00 
18,003 00 
25,099 75 
48,105 91 
26,572 50 
20,312 00 
13,117 00 

9,566 50 
12,589 20 
18,067 42 
10,721 00 

6,083 40 

6,458 40 

15.445 50 
30,999 00 
15,426 00 
10,488 00 
15,418 50 

9,702 90 

25,742 50 

12,646 25 

20,666 00 



134 



NATIONAL LIFE INSURANCE COMPANY. 



City of Merrill, Wis., bonds, . 
City of Reedsburg, Wis., bonds, 
Village of Elkhorn, Wis., bonds, 
Delavan, Wis., school district bonds 
County of Clarke, Iowa, bonds, 
County of Shelby, Iowa, bonds, 
County of Wapello, Iowa, bonds, 
City of Webster, Iowa, bonds, . 
City of Afton, Iowa, bonds, 
City of Bloom field, Iowa, bonds, 
City of Burlington, Iowa, bonds, 
City of Carroll, Iowa, bonds, . 
City of Centerville, Iowa, bonds, 
City of Clinton, Iowa, bonds, . 
City of Corning, Iowa, bonds, . 
City of Creston, Iowa, bonds, . 
City of Fort Dodge, Iowa, bonds, 
City of Hampton, Iowa, bonds, 
City of Independence, Iowa, bonds, 
City of Marion, Iowa, bonds, . 
City of North Des Moines, Iowa, bonds, 
City of Oskaloosa, Iowa, bonds, 
City of Ottumwa, Iowa, bonds, 
City of Shenandoah, Iowa, bonds, 
City of Spencer, Iowa, bonds, . 
City of Villisca, Iowa, bonds, . 
City of Webster, Iowa, bonds, . 
Town of Marengo, Iowa, bonds, 
Village of Indianola, Iowa, bonds, 
Carroll Co., Iowa, school district bonds, 
Cedar Rapids, Iowa, school district bonds 
Eldora, Iowa, school district bonds, . 
Forest Home, Iowa, school district bonds 
Griswold, Iowa, school district bonds, 
Newton, Iowa, school district bonds, 
Osceola, Iowa, school district bonds, 
Perry, Iowa, school district bonds, . 
Rock Rapids, Iowa, school district bonds 
Sanborn, Iowa, school district bonds, 
Clinton Co., Iowa, warrants, 
Sioux City, Iowa, warrants, 
City of Albert Lea, Minn , bonds, 
City of Duluth, Minn , bonds, . 
City of La Sueur, Minn., bonds, 
City of Little Falls, Minn., bonds, 
City of Minneapolis, Minn., bonds, 
City of Stillwater, Minn., bonds, 
City of Winona, Minn., bonds, . 



Par Value. 

$15,500 00 

17,000 00 

15,000 00 

27,500 00 

32,000 00 

15,000 00 

12,000 00 

15,000 00 

5,400 00 

12,000 00 

5,000 00 

5,000 00 

12,000 00 

28,500 00 

15,000 00 

13,000 00 

11,000 00 

13,000 00 

10,000 00 

22,000 00 

5,000 00 

10,000 00 

13,000 00 

20,000 00 

5,500 00 

10,000 00 

13,000 00 

11,000 00 

13,000 00 

7,000 00 

29,500 00 

12,000 00 

22,000 00 

4,000 00 

10,000 00 

2,500 00 

12,000 00 

3,000 00 

3,000 00 

2,782 06 

200,000 00 

32,000 00 

14,000 00 

1,000 00 

9,000 00 

3,500 00 

41,000 00 

3,000 00 



Market Value. 

$15,748 00 

17,334 90 

15,409 50 

28,005 50 

32,469 12 

15,207 00 

12,169 20 

15,303 00 

5,881 68 

12,312 00 

5,048 50 

5,085 50 

12,336 00 

29,298 00 

15,846 00 

13,184 60 

11,294 50 

13,202 80 

10,110 00 

22,772 20 

5,197 00 

10,260 00 

13,117 00 

20,948 00 

5,628 70 

10,408 00 

13,707 20 

11,473 00 

13,354 90 

7,220 50 

29,797 95 

12,242 40 

22,463 80 

4,038 00 

10,108 00 

2,639 50 

12,140 40 

3,060 60 

3,125 10 

2,822 40 

208,340 00 

33,612 80 

15,045 60 

1,000 00 

9,336 60 

3,675 35 

43,320 60 

3,014 40 



NATIONAL LIFE INSURANCE COMPANY. 



135 



Village of West Duluth, Minn., bonds, . 
Douglas Co., Minn., school district bonds, 
Duluth, Minn., school district bonds, 
Lake City, Minn., school district bonds, 
Lyon Co., Minn., school district bonds, 
City of Carthage, Mo., bonds, . 
City of Hannibal, Mo., bonds, . 
City of Joplin, Mo., bonds, 
Nevada, Mo., school district bonds, 
Clay Co , Mo., school district bonds, 
County of Douglas, Neb., bonds, 
County of Dundy, Neb., bonds, 
City of Kearney, Neb., bonds, . 
City of Lincoln, Neb , bonds, . 
City of Omaha, Neb , bonds, . 
City of Red Cloud, Neb., bonds, 
Village of North Bend, Neb., bonds, 
Aurora, Neb., school district bonds, . 
Box Butte Co., Neb., school district bonds, 
Cass Co., Neb., school district bonds, 
Dawson Co., Neb., school district bonds, 
Harlan Co., Neb., school district bonds, 
Holt Co., Neb., school district bonds, 
Johnson Co., Neb., school district bonds, 
Kearney Co , Ne'o., school district bonds, 
Oakdale, Neb., school district bonds, 
Saline Co., Neb , school district bonds, . 
Saunders County, Neb., school district bonds, 
Nebraska State, county and city warrants, 
County of Haskell, Kan., bonds, 
County of Seward, Kan., bonds, 
City of Newton, Kan., bonds, . 
Atchison County, Kan., school district bonds, 
Barber County, Kan., school district bonds, 
Cloud Count}", Kan., school district bonds, 
Coffeyville, Kan., school district bonds, . 
Dickinson County, Kan., school district bonds 
Graham County, Kan., school district bonds, 
Gray County, Kan., school district bonds, 
Horton County, Kan., school district bonds, 
Kingman County, Kan., district school bonds 
Liberal, Kan., district school bonds, 
Neosho County, Kan., district school bonds, 
Reno County, Kan., district school bonds, 
Sedgwick County, Kan., district school bonds 
Stanton County, Kan , district school bonds, 
Wa-Keeney, Kan., district school bonds, . 
Wellington, Kan., district school bonds, . 



Par Value. 

$20,000 00 

20,000 00 

20,000 00 

10,000 00 

9,000 00 

8,000 00 

20,000 00 

6,500 00 

5,000 00 

2,500 00 

20,000 00 

1,800 00 

35,000 00 

50,000 00 

20,000 00 

10,000 00 

2,000 00 

5,000 00 

5,000 00 

9,000 00 

3,400 00 

4,500 00 

3,000 00 

8,000 00 

43,835 00 

2,500 00 

35,000 00 

1,000 00 

253,417 23 

14,000 00 

6,000 00 

12,000 00 

10,000 00 

4,600 00 

2,000 00 

7,500 00 

9,000 00 

10,000 00 

4,000 00 

13,000 00 

3,000 00 

15,000 00 

8,000 00 

3,500 00 

8,000 00 

1,000 00 

1,500 00 

14,000 00 



Market Value. 

$21,060 00 

20,667 00 

21,540 00 

10,792 00 

9,190 80 

8,161 60 

21,132 00 

6,639 75 

5,101 00 

2,550 50 

21,830 00 

2,034 90 

36,330 00 

52,075 00 

21,284 00 

10,892 00 

2,108 80 

5,240 50 

5,199 50 

9,452 10 

3,672 30 

4,500 00 

3,666 90 

8,080 00 

46,452 00 

2,792 00 

35,625 50 

1,024 20 

258,087 07 

14,000 00 

6,000 00 

12,552 00 

11,769 00 

4,959 26 

2,056 80 

8,270 55 

9,315 90 

11,358 00 

4,553 20 

14,765 40 

3,107 70 

15,000 00 

8,435 20 

4,026 75 

8,333 60 

1,169 50 

1,559 85 

14,623 00 



136 



NEW YORK LIFE INSURANCE COMPANY. 



County of Otero, Col., bonds, . 

City of Colorado Springs, Col., bonds, 

Town of Boulder, Col., bonds, . 

Town of South Denver, Col., bonds, 

Arapahoe County, Col., school district bonds, 

Pueblo County, Col., school district bonds, 

Arizona Territory bonds, . 

New Mexico Territory bonds, . 

Albuquerque, New Mexico, bonds, . 

County of Clark, S. D., bonds, . 

City of Huron, S. D., bonds, 

City of Sioux Falls, S. D., bonds, 

Hughes County, S. D„ school district bonds, 

Huron, S. D., school district bonds, . 

Pierre, S. D., school district bonds, 

City of Cheyenne, Wyoming, bonds, 

City of Helena, Mont., bonds, . 

County of Silver Bow, Mont., bonds, 

City of Helena, Mont , warrants, 

County of Weber, Utah, bonds, 

City of Ogden, Utah, bonds, 

City of Salt Lake City, Utah, bonds, 

City of Santa Rosa, Cal., bonds, 

County of Lewis, Wash., bonds, 

City of Seattle, Wash., bonds, . 

City of Tacoma, Wash., bonds, 

Village of South Bend, Wash., bonds, 

Seattle, Wash., school district bonds, 

Washington County and City warrants, 

City of Astoria, Oregon, bonds, 

Oregon County warrants, 



Par Value. 

$4,000 00 
31,000 00 
35,000 00 
25,000 00 
29,000 00 
88,000 00 
80,000 00 
40,000 00 
15,000 00 

9,000 00 
12,500 00 
20,000 00 
10,000 00 
20,000 00 
11,000 00 
25,000 00 
10,000 00 
25,000 00 
45,834 48 
40,0C0 00 
20,000 00 
20,000 00 
28,875 00 
20,000 00 
40,000 00 
25,000 00 
24,000 00 
10,000 00 
15,797 90 
20,000 00 

7,057 31 



Market Value. 

$1,180 40 

31,688 20 

35,976 50 

27,992 50 

30,391 80 

90,505 04 

84,648 00 

41,260 00 

17,169 00 

9,208 80 

12,500 00 

21,030 00 

10,438 00 

20,000 00 

11.481 80 

26,342 50 

10,665 00 

25,550 00 

46,943 67 

40,552 00 

20,508 00 

20,116 CO 

28,875 00 

21,668 00 

41,064 00 

25,750 00 

26,546 40 

10,254 00 

16,365 05 

21,610 00 

7,310 66 



$1,269,494 35 $4,438,934 79 



"NEW YORK LIFE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated 1841. Commenced business 1845.] 

John A. McCall, President. Charles C. Whitney, Secretary. 



Income. 

Received for premiums on new policies, . . . . . $4,841,909 09 

Received for renewal premiums, 23,814,761 87 

Dividends applied to pay running premiums, . . . 326,807 76 

Dividends applied to purchase paid-up additions and annuities, 295,198 87 



NEW YORK LIFE INSURANCE COMPANY. 



137 



Surrender values applied to pay running premiums, 
Received for annuities, 



Total 

Deduct amount paid for reinsurance, 

Total premium income, 
Received for interest, .... 
Received for rents of company's property, 
Deposits on trust and registered bond policies 

Total income, 

Net or ledger assets Dec. 31, 1894, . 



Total, 



824,570 08 
1,009,934 51 



,373,182 18 
54,430 73 

,318,751 45 

6,880,962 91 

661,551 20 

31,000 00 



Disbursements 

Paid for losses and additions, . 

Paid for matured endowments and additions, 



Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 



$37,892,265 56 
150,915,095 56 

$188,807,361 12 



. $8,700,334 88 
. 2,072,445 07 



,772,779 95 
23,301 64 



"Net amount paid for losses and endowments, . 

Paid to annuitants, 

Premium notes or loans voided by lapse, 

Cash dividends paid policy-holders, . .... 

applied to pay running premiums, . 

applied to purchase paid-up additions and 

annuities, 

Surrender values paid in cash, 

Surrender values applied to pay running premiums, 
Reserve values paid on matured deferred dividend policies, 
Instalments paid on trust policies, 



,749,478 31 

1,351,462 56 

24,759 54 

1,186,329 51 

326,807 76 

295,198 87 

1,523,260 64 

24,570 08 

1,305,334 23 

6,330 44 



Total paid policy-holders, .... 
Cash paid for commissions and bonuses to agents, new poli- 
cies, $3,019,356.94 ; renewals, $1,216,578.17, . . 

for salaries and allowances to managers and agents, 

for medical examiner's fees and inspections, . 

for salaries of officers and home office employees, 

for taxes on new premiums, $42,764.57 ; on renew- 
als, $147,909.96, 

for taxes on investments, $10,492.12 ; on reserves, 
$13,294.52, 

for taxes on real estate, . 

for fees, licenses, etc., 

for rent, 

for advertising, printing, postage, etc., 



$16,793,531 94 

4,235,935 11 
833,817 39 
439,039 72 
541,392 11 

190,674 53 

23,786 64 
126,310 87 

62,987 18 
266,723 42 
347,677 01 



138 



NEW YORK LIFE INSURANCE COMPANY. 



Cash paid for legal expenses, 

for real estate expenses (except taxes), . 
for travelling expenses and incidentals, . 

Total disbursements, . . . . . 



Balance, 



Invested in the following : — 

Assets as per Ledger Accounts 

Book value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Book value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Agents 1 balances, . 






$167,915 88 
154,175 26 

479,088 82 



$24,663,055 88 



$164,144,305 24 



$16,008,650 00 

. 32,712,480 03 

. 1,787,800 00 

. 3,901,277 62 

879,590 04 

102,088,983 71 

8,349 28 

. 6,136,594 60 

620,579 96 



Ledger assets as per balance, . 



$164,144,305 24 



Other Assets. 

Interest due and accrued, 

Rents due and accrued, ..... 
Market value of stocks and bonds over book, . 



. 1,253,948 20 

48,888 30 

. 5,110,840 81 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, ..... 

Total, 

Deduct loading (20 per cent.), . 

Net amount of uncollected and 
deferred premiums, 



New Business. Renewals. 

$3,025,100 
$220,144 00 2,003,886 



89 
00 



$220,144 00 $5,028,986 89 
44,028 80 1,005,797 38 



$176,115 20 $4,023,189 51 



4,199,304 71 



Total assets, per company's books, . 

Items not Admitted. 



$174,757,287 26 



Agents' balances, . . 620,579 96 



Total admitted assets, 
Deduct special deposits in other States, . 



$174,136,707 30 
. 8,666,834 86 



Balance $165,469,872 44 



NEW YORK LIFE INSURANCE COMPANY. 



139 



Liabilities. 
Computed premium reserve or net present value of all out- 



standing policies (actuaries 1 4 per cent.), 
Deduct net value of reinsured risks, 

Net reserve, 

Matured endowments due and unpaid, 
Death losses in process of adjustment, 
Claims resisted by the company, 
Due and unpaid on annuity claims, . 

Total policy claims, 

Trust funds held by company, .... 
Unpaid dividends of surplus due policy-holders, 
Premiums paid in advance, .... 
Extra policy reserve, 



$148,379,748 00 
228,373 00 



$148,151,375 00 



$67,627 63 

1,157,882 34 

53,083 30 

77,819 68 



1,356,412 95 

188,025 35 

130,336 74 

137,881 61 

93,120 00 



Liabilities as to policy-holders, , 
Deduct liabilities on special deposits, 

Surplus as regards policy-holders, . 
Gross liabilities, 



$150,057,151 65 

. 8,625,957 10 

$141,431,194 55 

. 24,038,677 89 

$165,469,872 44 



Premium Note Account. 



Premium notes on hand Dec. 31, 1894, 
Premium notes rec'd during 1895 (old pol's), 

Total, 

Used in payment of losses and claims, 
Used in purchase of surrendered policies, 

Voided by lapse, 

Used in payment of dividends to policy-holders 
Redeemed by maker in cash, . 

Total, 

Balance note assets, Dec. 31, 1895, 



^,025,871 94 
157,369 71 

$41,254 24 

128,323 67 

24,759 54 

517 31 

108,796 85 



,183,241 65 



303,651 61 



$879,590 04 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Exhibit op Policies. 
Policies and Additions in Force Dec. 31, 1894. 

Number. Amount. Total No. Total Amount. 

.212,671 $597,767,069 00 

. 59,422 175,391,172 00 

. 5,507 35,593,832 00 

4,542,087 00 

277,600 $813,294,160 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

. 44,033 $102,561,500 00 

. 9,856 23,737,000 00 

54 1,194,055 00 
53,943 



127,492,555 00 



140 



NEW YORK LIFE INSURANCE COMPANY. 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 
All other, . 



Additions by dividends, . 
Total,. 



Old Policies revived. 






Number. 


Amount. Total No. 


Total Amount. 


533 


$1,674,600 00 






137 


333,400 00 






21 


62,600 00 


691 


12,070,600 00 




Old Policies increased. 






- 


8474,900 00 






- 


15,300 00 






- 


5,571,934 00 


_ 


6,062,134 00 






• 


• • • t 

< 


- 


375,028 00 




532,234 \ 


^949,294,477 00 



Whole life, 
Endowment, 
All other, . 



Policies terminated during the Year. 
. 44,669 $120,201,269 00 
. 8,604 22,987,630 00 
. 1,268 7,078,249 00 



54,541 $150,267,148 00 



How terminated. 



By death, . 


. 2,817 


$8,556,399 00 


maturity, 


641 


2,072,215 00 


expiry, . 


372 


1,473,100 00 


surrender, . 


. 5,182 


16,114,312 00 


lapse, . 


. 30,175 


70,822,845 00 


change and decrea 


se, . - 


9,771,887 00 


Not taken,* 


. 15,354 


41,456,390 00 



54,541 150,267,148 00 



Policies in Force Bee. 52, 1895. 

Whole life, . . . 211,420 $578,947,600 00 
Endowment, . . . 60,497 175,640,942 00 
All other, .... 5,776f 39,947,071 00f 
Reversionary additions, . - 4,491,716 00 

277,693 $799,027,329 00 

Schedule A. 
Securities held as Collateral. 

Market Value. Amount Loaned. 

Lake Shore & Michigan Southern RR. bonds, . $12,000 00 $10,000 00 

400 shares First National Bank, Macon, Ga., . 50,000 00 40,000 00 

Jefferson, Madison & Indianapolis R.R. bonds, 5,750 00 4,600 00 

327 shares Chicago & Alton Railroad, . . 52,320 00 36,978 00 



* This item relates to policies issued prior to 1896, upon which no premiums have been paid, 
f Transferred from life and endowment, 1,462 policies = $4,177,500. 



NEW YORK LIFE INSURANCE COMPANY. 



141 



94 

15 

123 

600 

680 



1,000 shares Brooklyn City Railroad, 
People's Trust Co., 
Hamilton Trust Co., 
Chicago & Alton Railroad, 
American Surety Co., . 
Mercantile National Bank, N. Y. 

Canada Southern R.R. bond, . 
10 shares New York & Harlem Railroad, 
9 " N. Y., New Haven & Hartford R.R. 
6 " National Park Bank, N. Y., . 

200 " Pullman's Palace Car Co., 

New York City bonds, .... 

Providence, R. I., bonds, .... 

Willimantic, Conn., bonds, 

Chesapeake, Ohio & Southwestern R R. bonds 

Illinois Central R.R. bonds, 

Iowa Falls & Sioux City R.R. bonds, 

Chesapeake, Ohio & Southwestern R.R. bonds 

Illinois Central R.R. bonds, 

Iowa Falls & Sioux City R.R. bonds, 

150 shares American Surety Co., 

Georgia Pacific R.R. bonds, 

Texas & Pacific R.R. bonds, 

Denver & Rio Grande R.R. bonds, . 

Erie R.R. bonds, .... 



Schedule B. 



1,593 00 
1,650 00 



Market Value. 

$17,000 00 n 
22,560 00 i 
2,970 00 ) 
19,680 00 
63,000 00 
119,000 00 
1,100 00 >| 
1,375 00 I 

J 

31,000 00 

40,000 00 

11,200 00 

5,200 00 

528,000 00 

30,210 00 

38,250 00 

528,000 00 

29,180 00 

38,250 00 

15,750 00 

3,450 00 

2,430 00 

4,350 00 

516,480 00 



Amount Loaned. 

$30,000 00 

14,022 00 
45,000 00 
80,000 00 

4,700 00 

25,000 00 
50,000 00 

500,000 00 

500,000 00 

12,000 00 

5,500 00 

430,000 00 



$2,191,748 00 $1,787,800 00 



Stocks and Bonds owned by the Company. 



United States bonds, .... 

Alabama State bonds, .... 
Atlanta City, Ga., bonds, .... 
Arizona Territory bonds, .... 
Austin City, Tex., water and elec. light bonds 
Butler County, Ohio, bonds, 
Callaway County, Missouri, bonds, . 
Cuyahoga County, Ohio, bonds, 
Dallas City, Texas, bonds, 
Davidson County, Tenn , bonds, 
Douglass County, Neb., bonds, 
Elizabeth City, N. J , bonds, . 
Findlay, Ohio, bonds, .... 
Flatbush, N. Y., water bonds, . 
Fort Worth, Tex., water bonds, 
Galveston City, Tex., bonds, . 
Jersey City, N. J., bonds, . 



Book Value. 

3,203,528 85 \ 

38,843 91 

132,498 64 

15,293 31 

186,875 73 

31,748 73 

120,000 00 

154,323 14 

446,112 81 

253,412 74 

81,666 86 

323,867 36 

30,440 13 

19,652 96 

220,568 31 

173,730 00 

1,339,640 60 



Market Value. 

18,148,816 67 

49,440 00 

137,137 50 

15,150 00 

197,500 00 

31,125 00 

120,000 00 

155,875 00 

459,500 00 

254,375 00 

82,000 00 

352,000 00 

30,430 00 

24,000 00 

220,000 00 

175,000 00 

1,438,573 33 



142 



NEW YORK LITE INSURANCE COMPANY. 



Jefferson County, Ala., bonds, 

Kings County, N. Y., bonds, 

Louisville City, Ky., bonds, 

Lincoln County, Wash., bonds, 

Madison County, Ala., bonds, 

Middletown, Conn., bonds, 

Mississippi State bonds, . 

Montgomery City, Ala., bonds, 

Morris County, N. J , bonds, 

Memphis City, Tenn., bonds, 

New York City bonds, 

Newark, N. J., bonds, 

Nashville City, Tenn., bonds, 

North Knoxville, Tenn , bonds, 

Ottawa City, Can., bonds, . 

Omaha City, Neb., bonds, . 

Petersburg City, Va., bonds, 

Pierce County, Wash., bonds, 

Peoria Township, 111., bonds, 

Quebec, Province of, bonds, 

Quebec City, Can., bonds, . 

Richmond City, Va., bonds, 

Ramsey Co., Minn., bonds, 

Seattle, Wash., bonds, 

St. Joseph, Mo., bonds, 

St. Paul, Minn., bonds, 

Sanitary District of Chicago, 111., bonds, 

San Antonio, Tex., bonds, 

School District, Multnomah County, Ore., b'ds 

School District, Spokane County, Wash., b'ds 

School District, Salt Lake City, Utah, bonds, 

Salt Lake City, Utah, bonds, 

Tazewell County, 111., bonds, 

Tennessee State bonds, 

Utah Territory bonds, 

Waco City, Tex., bonds, . 

West Chicago Town, 111., bonds, 

Whatcom County, Wash., bonds, 

Whitman County, Wash., bonds, 

Argentine Republic government bonds, 

Brazilian government bonds, . 

Bulgarian government bonds, . 

Cuba bonds, 

Havana, Cuba, bonds, 
Hungarian government bonds, 
Italian government bonds, 
Prussian government bonds', . . 
Russian government bonds, . 



Book Value. 

$302,245 93 

2,797,083 59 

750,000 00 

62,970 64 

60,290 12 

51,394 31 

19,608 00 

217,384 98 

225,681 72 

103,412 90 

2,457,849 78 

922,644 46 

300,000 00 

100,000 00 

106,926 87 

15,200 44 

30,000 00 

351,417 85 

99,374 15 

86,617 75 

200,000 00 

290,009 13 

41,526 73 

499,100 00 

190,665 47 

248,953 97 

1,980,870 59 

265,098 31 

75,675 02 

97,856 58 

252,860 64 

443,578 88 

56,326 93 

604,388 93 

88,156 23 

79,000 00 

426,862 05 

206,442 62 

201,660 44 

24,100 08 

58,571 43 

19,093 63 

24,766 96 

19,346 03 

99,548 25 

704,596 57 

1,035,933 14 

2,557,435 69 



Market Value. 

$306,400 00 

2,797,083 59 

750,000 00 

63,000 00 

60,000 00 

51,500 00 

20,000 00 

203,370 00 

225,696 25 

102,000 00 

2,449,875 00 

959,783 33 

300,000 00 

100,000 00 

107,000 00 

15,000 00 

31,200 00 

356,160 74 

98,980 00 

87,200 00 

200,000 00 

300,750 00 

41,600 00 

508,750 00 

193,021 92 

279,453 33 

1,994,350 00 

268,000 00 

81,000 00 

96,525 00 

255,000 00 

459,000 00 

60,000 00 

711,450 00 

90,045 00 

79,000 00 

424,350 00 

210,000 00 

207,500 00 

26,643 75 

59,500 00 

19,309 05 

24,679 87 

18,177 61 

121,553 13 

723,317 40 

1,164,442 13 

2,644,201 50 



NEW YORK LIFE INSURANCE COMPANY. 



113 



Servian government bonds, 
Swiss government bonds, 
Swedish government bonds, . 
Wurtemburg government bonds, 
Adirondack Railroad bonds, 
Albany & Susquehanna Railroad bonds, 
Atlantic & Gulf Railroad bonds, 
Atchison, Topeka & Sante Fe Railroad bonds, 
Burlington, C. R. & Northern Railroad bonds, 
Buffalo, Bradford & Pittsburgh R.R. bonds, 
Buffalo, New York & Erie Railroad bonds, 
Canadian Pacific Railroad bonds, 
Central R.R. & Banking Co. of Ga. bonds, 
Central of Georgia Railroad bonds, 
Central R.R. of New Jersey bonds, . 
Cedar Rapids, I. F. & No W. Railroad bonds 
Chateaugay Ore & Iron Co. Railroad bonds, 
Chicago, Burlington & Quincy Railroad bonds 
Chicago, Milwaukee & St. Paul R R bonds, 
Chicago & Northwestern Railroad bonds, 
Chic, St. Paul, Minn & Omaha R.R. bonds, 
Chicago & Western Indiana Railroad bonds, 
Chicago & Eastern Illinois Railroad bonds, 
Chicago & St. Louis Railroad bonds, 
Chicago, Rock Island & Pacific Railroad b'ds 
Chesapeake & Ohio Railroad bonds, 
Cincinnati, Hamilton & Dayton Railroad b'ds 
Cincinnati, Lafayette & Chicago R.R. bonds, 
Cincinnati, Sandusky & Cleve. R.R. bonds, 
Cleveland, Col., Cin. & Ind. Railroad bonds, 
Cleveland, Loraine & Wheeling Railroad b'ds 
Denver & Rio Grande Railroad bonds, 
Detroit & Mackinac Railroad bonds, 
Delaware & Hudson Canal Co. Railroad b'ds 
Evansville & Ind. Railroad bonds, . 
Evansville & Terre Haute Railroad bonds, 
Evansville, Terre Haute & Chicago R.R. b'ds 
East Tenn., Virginia & Georgia R.R. bonds, 
Flint & Pere Marquette Railroad bonds, . 
Fremont, Elkhorn & Mo. Val. R.R. bonds, 
Illinois Central Railroad bonds, 
Indianapolis & St Louis Railroad bonds, 
Iowa Midland Railroad bonds, . 
Kal., Allegan & G. R. Railroad bonds, 
Kansas City, St Jo. & Coun. Bluffs R.R. b'ds 
Lake Shore & Michigan Southern R.R. b'ds, 
Long Dock Co. Railroad bonds, 
Lowell & Suburban Railroad bonds, 



Book Value. 

$3,511 04 

19,037 42 

89,894 12 

47,124 33 

973,433 88 

869,379 60 

113,171 79 

1,382,993 75 

120,022 91 

74,000 00 

63,258 02 

1,068,006 51 
892,466 67 
900,000 00 

2,416,116 85 
450,573 73 
495,638 48 

1,739,288 54 
721,379 08 

6,065,336 35 

1,188,735 94 

1,143,064 90 
311,238 87 
274,840 88 
243,269 78 
615,922 60 
985,121 47 
177,214 18 
593,374 53 

1,300,575 04 

633,773 18 

709,745 26 

47,000 00 

285,105 36 

675,472 80 

529,767 66 

31,141 59 

488,478 21 

117,007 34 

1,175,818 18 

300,000 00 

155,293 13 

55,882 03 

177,664 75 

155,863 54 

2,270,750 02 

1,213,773 15 

691,456 45 



Market Value. 

$3,196 08 
19,970 68 

95,200 00 

47,147 21 

954,750 00 

990,117 50 

112,560 00 

1,154,300 00 

140,715 00 

74,000 00 

65,708 33 

1,072,440 00 
916,666 67 

1,050,000 00 

2,724,000 00 
422,625 00 
480,000 00 

1,740,000 (0 
766,685 00 

6,331,845 00 

1,296,750 00 

1,285,700 00 
383,400 00 
263,940 00 
252,500 00 
677,083 33 

1,045,833 33 
177,100 00 
594,880 00 

1,528,320 00 

662,500 00 

771,065 00 

48,330 00 

332,800 00 

510,510 00 

468,262 50 

30,900 00 

525,200 00 

112,000 00 

1,270,000 00 

300,000 00 

164,895 00 

56,500 00 

179,820 00 

169,400 00 

2,409,958 33 

1,290,000 00 

700,000 00 



144 



NEW YORK LIFE INSURANCE COMPANY. 



Louisiana Western Railroad bonds, , 
Louisiana & Missouri River Railroad bonds, 
Louisville & Frankfort, Lex. & F. R.R. b'ds, 
Louisville & Nash , Mobile & Mont'y R.R. b'ds 
Lehigh Valley Railway bonds, 
Mahoning Coal Railroad bonds, 
Metropolitan Elevated Railroad bonds, . 
Memphis & Charleston Railroad bonds, . 
Michigan Central Railroad bonds, . 
Minneapolis Union Railroad bonds, . 
Morgan's Louisiana & Texas Railroad bonds, 
Mobile & Girard Railroad bonds, 
Midland of New Jersey Railroad bonds, . 
Missouri Pacific Railroad bonds, 
New York Elevated R.R. bonds, 
New York Central & Hudson R. R.R. bonds, 
New York & Harlem Railroad bonds, 
New York, Lake Erie & Western R.R. bonds, 
N. Y , L E. & Western Docks & Imp't Co. b'ds, 
New York, Lackawanna & Western R.R. b'ds, 
New York, Susq. & Western Railroad bonds, 
Nebraska Railway bonds, 
Nashville, Chatt. & St. Louis Railroad bonds, 
Northern Pacific Railroad bonds, 
Northern Pacific Terminal Railroad bonds, 
Northern Illinois Railroad bonds, . 
Northwestern Grand Trunk Railroad bonds, 
Ohio, Indiana & Western Railroad bonds, 
Peoria, Decatur & Evansville Railroad bonds 
Philadelphia & Reading Railroad bonds, 
Philadelphia & Reading Car Trust bonds, 
Pittsburg, Cincinnati & St. Louis R.R. bonds, 
Pitts., Cinn , Chicago & St. Louis R R. bonds, 
Quincy, Alton & St. Louis Railroad bonds, 
Rensselaer & Saratoga Railroad bonds, . 
Rochester & Pittsburg Railroad bonds, . 
South Carolina & Georgia Railroad bonds, 
St. Paul, Minneapolis & Manitoba R.R bonds, 
St. Paul, Minneapolis & Manitoba R.R bonds, 
St. Paul & Northern Pacific Railroad bonds, . 
Savannah, Florida & Western Railroad bonds, 
Taunton Street Railway bonds, 
Taylor's Falls & Lake Superior R.R. bonds, 
Toledo & Ohio Central Railroad bonds, . 
Terre Haute & Indianapolis Railroad bonds, 
Texas & New Orleans Railroad bonds, . 
Union Railway Company, N. Y., bonds, . 
Virginia & Tennessee Railroad bonds, . 



Book Value. 

$313,319 73 

204,051 12 

159,573 35 

1,035,573 53 

1,816,919 15 

363,048 02 

319,163 69 

293,920 90 

54,567 25 

510,880 52 

876,560 79 

155,822 93 

342,715 49 

1,034,656 92 

733,950 00 

1,008,269 92 

1,020,420 16 

2,329,506 48 

1,558,620 19 

936,806 98 

225,702 89 

75,000 00 

338,744 88 

1,230,796 93 

500,000 00 

497,796 67 

45,718 20 

307,813 79 

144,827 95 

233,844 46 

200,000 00 

53,601 74 

1,004,757 26 

155,000 00 

9,487 28 

187,846 66 

180,438 11 

2,190,329 44 

232,571 66 

1,274,532 39 

550,367 91 

325,969 53 

211,883 75 

248,750 00 

193,408 12 

306,627 96 

49,735 80 

61,747 84 



Market Value. 

$315,000 00 

200,615 83 

158,000 00 

1,035,0 00 

1,912,000 00 

452,000 00 

377,175 00 

231,250 00 

58,000 00 

527,850 00 

915,000 00 

131,250 00 

363,200 00 

950,000 00 

733,950 00 

1,210,000 00 

1,140,000 00 

2,700,000 00 

1,530,000 00 

1,310,000 00 

250,000 00 

75,000 00 

350,000 00 

1,356,000 00 

500,000 00 

525,000 00 

43,680 00 

311,250 00 

131,600 00 

233,636 67 

200,000 00 

56,500 00 

1,038,750 00 

155,000 00 

12,675 00 

196,125 00 

195,526 67 

2,308,000 00 

211,666 67 

1,428,000 00 

545,000 00 

332,500 00 

224,700 00 

262,500 00 

188,889 04 

303,045 83 

51,500 00 

63,220 00 



NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY. 145 



Book Value. 

West Shove Railroad bonds $947,798 15 

Western Transit Company Railroad bonds, . 90,000 00 

Wheeling & Lake Erie Railroad bonds, . . 381,946 30 

Willmar & Sioux Falls Railroad bonds, . . 478,624 97 

American Safe Deposit Co. bonds, . . . 52,933 63 

American Dock & Improvement Co. bonds, . 400,926 31 

Brookline Gas Light Co bonds, . . . 250,000 00 

Equitable Gas Light Co , New York, bonds, . 146,064 48 

Madison Square Garden Co , New York, bonds, 749,182 33 

People's Gas Light & Coke Co. of Chic, bonds, 581,684 59 

St. Paul, Minn., Gas Light Co. bonds, . . 824,192 26 

Union Sav. B'k & T't Co., Tacoma, Wash., b'ds, 410,000 00 

Western Union Telegraph Company bonds, . 427,870 37 

1,133 J shares Evansville & Terre Haute R.R., 37,966 66 

1,000 " Chic, Mil. & St. Paul R.R., . 124,275 00 

12,300 " Chicago & Northwestern R.R., . 1,533,389 58 

1,500 " Ft. Wayne & Jackson R R., . 168,656 90 

5,000 " Valley Railroad, . . . 502,500 00 

100 " American Ex. Nat'l B'k, N. Y , 10,025 00 

187 " Merchants' National B'k, N. Y., 11,112 58 

11 " Nat'l B'k of the Republic, N.Y., 907 50 

39 " Bank of America, New York, . 4,804 00 

2,750 " Central Nat'l B'k, New l'ork, . 330,000 00 

5,360 " N. Y. Security & Tt. Co , N. Y., 826,729 00 

700 " Mackey-Nesbitt Company, . 14,000 00 

10 " Real Estate Exch'ge & Auction 

Room, Lim., N. Y., . . 1,000 00 



Market Value. 

11,040,000 00 

91,800 00 
408,000 00 
522,500 00 

52,500 00 
440,000 00 
250,000 00 
145,550 00 
787,698 33 
668,287 50 
857,666 67 
410,000 00 
471,870 00 

17,000 00 

127,000 00 

1,719,050 00 

175,500 00 

537,500 00 

16,000 00 

12,856 25 
1,650 00 

12,675 00 

316,250 00 

1,447,200 00 

14,000 00 

850 00 



$102,088,983 71 $107,199,824 52 



« NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY," 

MILWAUKEE, WIS. 

[Incorporated March, 1857. Commenced business Nov. 25, 1858.] 



H. L. Palmer, President 



J. W. Skinnek, Secretary. 



Income. 



Received for premiums on new policies, .... 

Received for renewal premiums, , . . 

Dividends applied to pay running premiums, . 

Dividends applied to purchase paid-up additions and annuities, 

Surrender values applied to pay running premiums, 

Surrender values applied to purchase paid-up insurance and 

annuities, 

Received for annuities, 



. §1,575,324 11 

. 10,636,199 55 

. 806,430 51 

189,759. 15 

3,825 81 



358,241 58 
6,291 97 



Total premium income, 



$13,576,072 68 



146 NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY. 



Received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 
Premium notes or loans restored, 
Commuted commissions refunded, . 

Total income, 

Net or ledger assets Dec. 31, 1894, . 



Total, 



§3,846,903 77 

G,093 47 

109,642 23 

6,583 87 

5,479 80 

$17,550,775 82 

. 70,226,757 73 



,777,533 55 



Disbursements. 
Paid for losses and additions, ...... 

for matured endowments and additions, . 

on matured instalment policies, .... 

Gross amount paid for losses and endowments, 

Paid to annuitants, 

Premium notes or loans voided by lapse, 

Dividends paid policy-holders, 

applied to pay running premiums, . 

applied to purchase paid-up additions and annuities 

Surrender values paid, 

applied to pay running premiums, 
applied to purchase paid-up insurance and 
annuities, 



Total paid policy-holders, 

Cash paid for commissions to agents, new policies, $766,038.76 
renewals, $777,532.76, . ... 

for salaries to agents, 

for medical examiner's fees and inspections, . 

for salaries of officers and home office employees, 

for taxes on premiums, . 

for taxes on reserves, 

for taxes on real estate, 

for fees, licenses, etc., 

for rent, . . . 

for advertising, printing and postage, 

for legal expenses, .... 

for furniture and office fixtures, 

for real estate expenses (except taxes), 

for incidentals, ..... 

for premiums on bonds purchased, . 
Profit and loss account, 

Total disbursements, . . . 

Balance, 



$2,997,225 70 

512,289 70 

3,225 00 

$3,512,740 40 

2,554 26 

13,780 90 

300,704 99 

806,430 51 

189,759 15 

496,823 09 

3,825 81 

358,241 58 

$5,684,860 69 

1,543,571 52 

899 91 

119,691 15 

306,196 26 

141,615 46 

7,209 28 

29,984 60 

15,514 39 

25,000 00 

113,607 43 

48,014 97 

2,093 05 

21,334 99 

57,924 37 

405,571 15 

133,573 20 

. $8,656,662 42 

$79,120,871 13 



NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY. 147 

Invested in the following : — 

Assets as per Ledger Accounts. 

Value of real estate, .$1,400,863 15 

Loans on mortgage of real estate (first liens), . . .59,041,112 24 
Loans on company's policies assigned as collateral, . . 1,948,050 00 
Premium notes or loans on policies in force, . . . . 418,301 84 

Par value of bonds owned (schedule A), 11,770,665 00 

Cash in company's office, . . . ... . . . 97,169 05 

Cash deposited in bank, 4,508,915 77 

Agents' debit balances, . 8,267 88 

Total, $79,193,344 93 

Deduct agents' credit balances, $17,555.05; bills payable, 

$54,918.75, *.'... 72,473 80 

Total net or ledger assets, as per balance, . . $79,120,871 13 

Other Assets. 

Interest due and accrued, ........ 1,362,318 06 

Rents due and accrued, 8,987 71 

Market value of bonds over par, 864,536 08 

New Business. Renewals. 

Uncollected premiums on poli- 
cies in force, .... $313,563 00 $440,590 00 

Deferred premiums on policies 
in force, 138,843 00 971,901 00 

Total, $452,406 00 $1,412,491 00 

Deduct loading (20 per cent.), . 90,481 20 282,498 20 

Net amount of uncollected and 

deferred premiums, . . $361,924 80 $1,129,992 80 

— - « 1,491,917 60 

Total assets, per company's books, .... $82,848,630 58 

Items not admitted. 
Agents' debit balances, 8,267 88 

Total admitted assets, . . . . . . $82,840,362 70 

Deduct special deposits in other States, ..-,.. . . .. 122,700 00 

Balance, . . . . . . . . . $82,717,662 70 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . .$65,465,166 00 
Present value of unpaid instalments, . . . . . 45,115 00 



148 NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY. 

Death losses due and unpaid, .... $36,317 74 
Matured endowments due and unpaid, . . 18,899 00 

Death losses in process of adjustment, . . 282,359 67 
Claims resisted by the company, . . . 43,844 99 

Due and unpaid on annuity claims, $50.00 ; on 

instalment policies, $500.00, .... 550 00 

Total policy claims, ' $381,97140 

Unpaid dividends of surplus due policy-holders, . . . 94,740 97 

Premiums paid in advance, 5,500 00 

Due for taxes, fees, salaries, expenses, etc., .... 56,929 01 
Reserve for paid-up insurance claimable, . . . . 331,413 00 



Liabilities as to policy-holders, ..... $66,380,835 38 
Deduct liabilities on special deposits, , 77,650 00 



5,303,185 38 
Surplus as regards policy-holders, 16,414,477 32 



Gross liabilities, $82,717,662 70 

Premium Note Account. 

Premium notes on hand Dec. 31, 1894, . . $467,540 42 

rec'd during 1895 (old pol's), . 83,080 73 

restored by revival of policies, 6,583 87 

Total, — — $557,205 02 

Used in payment of losses and claims, . . $22,756 17 

Used in purchase of surrendered policies, . ■ 10,436 31 

Voided by lapse, 13,780 90 

Used in payment of dividends to policy-holders, 66,639 64 

Redeemed by maker in cash, . ."■■-. . 25,290 16 

Total, — 138,903 18 



Balance note assets Dec. 31, 1895, ..... $418,301 84 

Exhibit of Policies. 
Policies and Additions in Force Dec. 32, 1894. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 115,566 $272,293,834 00 
Endowment, . . . 28,712 63,618,347 00 
All other, . . . . 622 4,785,388 00 

144,900 $340,697,569 00 

Policies issued during the Year. 

Whole life, . . . 14,744 $33,050,114 00 
Endowment, . . . 6,346 14,135,279 00 
All other, .... 2,158 6,291,001 00 

23,248 53,476,394 00 



NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY. 149 



Old Policies revived. 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 
All other, . 



Number. 


Amount. Total No. 


Total Amount. 


244 


$730,141 00 




62 


152,314 00 




4 


7,000 00 

310 


$889,455 00 



Old Policies increased. 
56 $161,525 00 

30 94,109 00 

2,176,808 00 



86 2,432,442 00 



Total, 168,544 $397,495,860 00 

Policies terminated during the Year. 

Whole life, . . . 9,142 $22,399,173 00 
Endowment, . . 2,959 6,623,088 00 

All other, .... 658 4,214,364 00 





12,759 


$33,236,625 00 




How terminated. 


By death, . 


. 1,209 


$2,972,555 00 


maturity, 


274 


493,747 00 


expiry, . 


259 


2,880,695 00 


surrender, 


. 3,114 


5,117,804 00 


lapse, . 


. 5,076 


10,023,239 00 


change and c 


ecrease, . 3 


4,354,599 00 


Not taken, . 


» ~ • i 2,824 


7,393,986 00 



12,759 33,236,625 00 



Whole life, 
Endowment, 
All other, . 



Policies in Force Dec. 31, 1895. 

.121,468 $283,836,441 00 

. 32,191 71,376,961 00 

. 2,126 9,045,833 00 
— 155,785 $364,259,235 00 



Schedule A. 



Bonds owned by the 



Adams County, Neb., bonds, . 
Alabama State bonds, 
Albion, Mich., bonds, 
Anderson County, Kan., bonds, 
Beatrice, Neb., bonds, 
Beloit, Wis , bonds, . 
Bexar County, Tex., bonds, 
Birmingham, Ala., bonds, . 



Company. 

Par Value. 

$40,000 00 
50,000 00 
50,000 00 
25,000 00 
63,000 00 
27,500 00 
300,000 00 
110,000 00 



Market Value. 

$41,296 00 
50,000 00 
55,540 00 
28,535 00 
63,000 00 
27,995 00 
347,484 00 
110,000 00 



150 NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY. 



Blackford County, Ind., bonds, 

Boone County, Neb., bonds, 

Buffalo County, Wis., bonds, . 

Canton Union ScM Dist., Fulton Co., 111., frds 

Calhoun County, la., bonds, 

Cedar Rapids, la., bonds, . 

Cheyenne, Wyo., bonds, . 

Colorado Springs, Col., bonds, . 

Dallas County, Tex., bonds, 

Dallas, Tex., bonds, . 

Davidson County, Tenn., bonds, 

Dayton, O., bonds, 

Denton County, Tex., bonds, . 

Denver, Col., bonds, . 

De Witt County, Tex., bonds, . 

Dodge County, Neb., bonds, 

Douglas County, Neb , bonds, . 

Dubuque County, la., bonds, . 

Duluth, Minn., Independent Sch'l Dist. bonds 

Ellis County, Tex , bonds, 

El Paso County, Col., bonds, . 

Elwood Township, 111., bonds, . 

Emmett County, la., bonds, 

Evanston, 111., bonds, 

Fayette County, Ind., bonds, 

Fillmore County, Neb , bonds, . 

Fort Worth, Tex., bonds, . 

Frankfort, Ind., bonds, 

Fremont, Neb., bonds, 

Gage County, Neb., bonds, 

Galveston County, Tex., bonds, 

Galveston, Tex., bonds, . 

Greene County, Ind., bonds, 

Greenfield, Ind., bonds, 

Hale County, Ala., bonds, 

Hamilton, Ohio, bonds, . 

Hamilton County, Tenn., bonds, 

Harris County, Tex , bonds, 

Hennepin County, Minn., bonds, 

Henry County, Ohio, bonds, 

Hopkins County, Tex., bonds, . 

Idaho State bonds, . 

Kansas City, Mo., bonds, . 

Kearney, Neb., bonds, 

Kenton Union School Dist , Hardin Co., O., b'ds 

La Porte County, Ind., bonds, . 

La Porte, Ind., bonds, 

Las Animas County, Col., bonds, 



Par Value. 

$114,000 00 

20,000 00 

8,000 00 

18,000 00 

15,000 00 

10,000 00 

71,500 00 

300,000 00 

228,000 00 

66,000 00 

265,000 00 

161,000 00 

89,000 00 

269,000 00 

60,000 00 

50,000 00 

117,000 00 

8,800 00 

150,000 00 

125,000 00 

38,000 00 

10,500 00 

20,000 00 

29,500 00 

19,000 00 

50,000 00 

69,000 00 

12,000 00 

35,000 00 

48,000 00 

100,000 00 

50,000 00 

40,000 00 

23,000 00 

21,500 00 

50,000 00 

120,000 00 

100,000 00 

200,000 00 

25,000 00 

65,000 00 

97,000 00 

75,000 00 

17,000 00 

45,000 00 

126,000 00 

22,000 00 

118,500 00 



Market Value. 

$126,616 80 

22,536 00 

8,304 80 

20,064 60 

15,354 00 

10,324 00 

73,766 55 

321,434 40 

228,000 00 

72,415 20 

276,903 00 

176,713 60 

90,797 80 

269,000 00 

63,450 00 

51,620 00 

121,387 50 

9,065 76 

175,365 00 

129,587 50 

39,360 40 

11,091 15 

21,860 00 

29,724 20 

19,571 50 

50,710 00 

74,030 10 

12,891 60 

35,504 00 

49,555 20 

102,970 00 

52,830 00 

42,692 00 

27,763 30 

23,254 40 

56,840 00 

129,204 00 

103,910 00 

217,000 00 

25,360 00 

67,275 00 

102,868 50 

84,955 00 

19,628 20 

52,947 00 

130,876 20 

23,075 80 

125,088 60 



NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY. 151 



Lebanon Village, Ohio, bonds, 
Lincoln, Neb, bonds, 
Madison County, Ala., bonds, . 
Manchester, Va., bonds, . 
Marion County, Ind., bonds, . 
Marion County, Kan., bonds, . 
McCracken County, Ky., bonds, 
Medina County, Ohio, bonds, . 
Medina County, Tex., bonds, . 
Menominee, Mich., bonds, 
Mercer County, Ohio, bonds, . 
Milan County, Tex., bonds, 
Milwaukee, Wis., bonds, . 
Montgomery County, Ala., bonds, 
Monroe County, Ind., bonds, . 
Monroe County, Wis , bonds, . 
Morrison County, Minn., bonds, 
Muskingum County, Ohio, bonds, 
Nashville, Tenn., bonds, . 
Neenah, Wis., bonds, 
Newark Township, Ohio, bonds, 
North Chicago, 111., bonds, 
Omaha, Neb., bonds, 
Omaha, Neb., School Dist. bonds, 
Osage County, Kan , bonds, 
Osceola County, la., bonds, 
Ottawa, 111., bonds, . 
Parkersburg, W. Va , bonds, . 
Pasadena, Car., bonds, 
Pasadena, Cal , School District bond 
Pickaway County, Ohio, bonds, 
Polk County, Neb., bonds, 
Polk County, Iowa, bonds, 
Pulaski County, Ind., bonds, 
Red Wing, Minn., bonds, . 
Reno County, Kan., bonds, 
San Antonio, Tex., bonds, . 
St. Louis County, Minn., bonds 
Saunders County, Neb., bonds, 
Seymour, Ind., bonds, 
Sheboygan, Wis., bonds, . 
Spokane, Wash., bonds, . 
Spokane County, Wash., bonds 
Springfield, 111., bonds, 
Tarrant County, Tex., bonds, 
Tippecanoe County, Ind., bonds, 
Tipton County, Ind., bonds, 
United States bonds, . , 



Tar Value. 

$30,000 00 
25,000 00 
22,500 00 
32,500 00 
55,000 00 
43,000 00 

200,000 00 
16,500 00 
19,000 00 
44,000 00 
33,000 00 

106,300 00 

918,000 00 
99,500 00 
25,000 00 
47,000 00 
25,000 00 
50,000 00 

140,000 00 
60,000 00 
30,000 00 
30,000 00 

124,500 00 
34,000 00 
20,000 00 
50,000 00 
60,000 00 
28,000 00 
37,500 00 
40,000 00 
46,000 00 
10,000 00 
50,000 00 
40,000 00 
49,000 00 
50,000 00 
12,000 00 
50,000 00 
6,000 00 
25,000 00 
85,000 00 

310,000 00 
50,000 00 
12,700 00 

279,865 00 

175,000 00 

85,000 00 

1,960,000 00 



Market Value. 

$33,282 00 
25,530 00 
25,994 25 
34,222 50 
57,689 50 
48,701 80 

224,760 00 
16,851 45 
19,068 40 
49,874 00 
34,382 70 

110,020 50 

932,871 60 

118,061 40 
27,745 00 
49,110 30 
28,362 50 
51,830 00 

150,078 00 
65,676 00 
32,454 00 
33,537 00 

128,571 15 
37,988 20 
21,772 00 
51,020 00 
67,788 00 
30,671 20 
37,856 25 
43,124 00 
49,555 80 
11,680 00 
50,560 00 
44,140 00 
53,782 40 
62,925 00 
14,685 60 
56,310 00 
6,349 20 
26,960 00 
87,907 50 

362,080 00 
54,860 00 
13,218 16 

286,770 16 

186,235 00 

97,452 50 

2,197,850 00 



152 



THE PENN MUTUAL LIFE INSURANCE COMPANY. 



Wabash County, Ind., bonds, . 
Waco, Tex., bonds, . 
Walla Walla County, Wash., bonds, 
Washington County, Neb., bonds, 
Waukesha County, Wis., bonds, 
Waupun, Wis., bonds, 
West Chicago, 111., bonds, 
White County, Ind., bonds, 
Williamson County, 111., bonds, 
Williamson County, Tex., bonds, 
Winston, N. C, bonds, 
Woodbury County, Iowa, bonds, 
Wyandotte County, Kan., bonds, 
Youngstown, Ohio, bonds, 



Par Value. 

$25,000 00 
71,000 00 
80,000 00 
74,000 00 
30,000 00 
33,000 00 

600,000 00 
44,000 00 
72,000 00 
37,000 00 
60,000 00 

238,000 00 

204,000 00 
25,000 00 



Market Value. 

$25,532 50 
80,371 40 
83,440 00 
81,977 20 
30,582 00 
36,121 80 

603,660 00 
46,178 00 
74,311 20 
37,133 20 
64,800 00 

247,329 60 

224,511 50 
27,645 00 



$11,770,665 00 $12,635,201 08 



"THE PENN MUTUAL LIFE INSURANCE COMPANY," 
PHILADELPHIA, PA. 

[Incorporated Feb. 24, 1847. Commenced business May 25, 1847.] 

Edward M. Needles, President. Henry C. Brown, Secretary. 

Income. 

Received for premiums on new policies, . . . . . $564,421 51 

Received for renewal premiums, 3,790,321 32 

Dividends applied to pay running premiums, . . . . 672,107 26 
Dividends applied to purchase paid-up additions and annui- 
ties, 72,287 00 

Surrender values applied to pay running premiums, . . 51,560 06 
Surrender values applied to purchase paid-up insurance and 

annuities, 199,522 00 

Received for annuities, 23,645 94 

Total, $5,373,865 09 

Deduct amount paid for reinsurance, ..... 2,730 33 

Total premium income, \ . . . . . . f 5,37 1,134 76 

Received for interest, . 1,258,496 55 

Received for rents of company's property, .... 58,629 73 

Profit on securities sold, . „ . . . . . . 51,852 80 

Profit and loss account, . . . . . . . . 199 10 

Total income, . $6,740,312 94 

Net or ledger assets Dec. 31, 1894, 24,002,033 78 

Total, . . . . . . . . ' . . $30,742,346 72 



THE PENN MUTUAL LIFE INSURANCE COMPANY. 



153 



Disbursements. 

Paid for losses and additions, . 

for matured endowments and additions, . 

on matured instalment policies, 

on trust deposits, 



Gross amount paid for losses and endowments, 

Paid to annuitants, 

Premium notes on loans voided by lapse, . 
Cash dividends paid policy-holders, .... 

applied to pay running premiums, . 
applied to purchase paid-up additions and 

annuities, 

Surrender values paid in cash, 

applied to pay running premiums, 
applied to purchase paid-up insurance and 
annuities, 



Total paid policy-holders, 

Cash paid for commissions and bonuses to agents, new poll 

cies, $265.638.71 ; renewals, $237,556.17, . 
for salaries and allowances to managers and 

agents, 

for medical examiner's fees and inspections, 
for salaries of officers and home office employees 
for taxes on premiums, ..... 
for taxes on investments, $64,676.02 ; on reserves 

$5,438.81, 
for taxes on real estate, . 
for fees, licenses, etc., 
for rent, . 

for advertising and printing, 
for legal expenses, . 
for furniture and office fixtures, 
for real estate expenses (except taxes), . 
for incidentals, . . . . 

Depreciation charged to profit and loss, . 



[,580,594 70 

200,514 00 

6,100 00 

10,000 00 

,797,208 70 

12,227 95 

56,844 59 

47 00 

672,107 26 

72,287 00 

322,758 44 

51,560 06 

199,522 00 



5,184,563 00 

503,194 88 

79,539 98 

43,618 86 

113,620 63 

67,985 45 

70,114 83 

20,817 75 

13,688 04 

33,980 28 

28,347 28 

9,894 05 

1,639 68 

4,492 68 

49,898 23 

222,521 40 



Total disbursements, . . $4,447,917 02 



Balance, 



$26,294,429 70 



Invested in the following: : — 

Assets as per Ledger Accounts 

Cost of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 



. $1,676,282 61 
. 11,228,358 67 
. 2,796,995 10 
. 1,677,087 00 



154 



THE PENN MUTUAL LIFE INSURANCE COMPANY. 



Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, . 

Cash deposited in bank, . 

Bills receivable, 

Agents' debit balances, 

Cash notes taken for premiums, 

Total, 

Deduct agents' credit balances, 

Total net or ledger assets, as per balance, 

Other Assets. 

Interest due and accrued, 

Rents due and accrued, . . . . 
Market value of stocks and bonds over cost, . 



$803,942 20 

7,721,867 09 

1,618 19 

201,700 00 

90,354 50 

9,276 28 

89,212 98 

$26,296,694 62 
2,264 92 

$26,294,429 70 



310,725 42 

9,882 36 

120,288 16 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, 

Total, ..... 
Deduct loading (20 per cent.),. 

Net amount of uncollected and 
deferred premiums, 



New Business. 

$80,672 22 
55,632 92 



$136,305 14 
27,261 03 



Renewals. 

$222,772 15 
368,391 32 

$591,163 47 
118,232 69 



$109,044 11 $472,930 78 



Total assets, per company's books, . 

Items not admitted. 

Agents' debit balances, 

Bills receivable, .... 

Loan in excess of market value, 

Total, 



581,974 89 
$27,317,300 53 



Total admitted assets, 
Deduct special deposits in other States, 



Balance, 



$9,276 28 

90,354 50 

2,600 00 



102,230 78 



$27,215,069 75 
11,000 00 

$27,204,069 75 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), 
Deduct net value of reinsured risks, .... 



Net reserve, : . 
Present value of unpaid instalments, 



$23,670,326 00 

56,239 00 

$23,614,087 00 

59,397 00 



THE PENN MUTUAL LIFE INSURANCE COMPANY. 



155 



Death losses in process of adjustment, 
Claims resisted by the company, 

Total policy claims, 

Trust funds held by company, .... 
Unpaid dividends of surplus due policy-holders, 
Life rate endowment fund, .... 
Premiums paid in advance, .... 
Scrip outstanding, 



$121,710 00 

12,000 00 



$133,710 00 

18,870 00 

51,777 70 

718,588 74 

12,594 27 

8,580 00 



Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 

Surplus as regards policy-holders, . 
Gross liabilities, 



$24,617,604 71 
11,000 00 



$24,606,604 71 
2,597,465 04 



$27,204,069 75 



Premium Note Account. 

Premium notes on hand Dec. 31, 1894, . . $769,011 63 
Premium notes received during 1895 (new 
policies, $8,756.00 ; old policies, $253,705.83), 262,461 83 



Total, 

Used in payment of losses and claims, . 
Used in purchase of surrendered policies, 
Voided by lapse, ..... 
Used in. payment of dividends to policy-holders, 
Redeemed by maker in cash, . 

Total, . . . 

Balance note assets Dec. 31, 1895, 

Exhibit of Policies. 



$1,031,473 46 



$38,159 08 
35,269 68 
56,844 59 
77,644 82 
19,613 09 



227,531 26 

$803,942 20 



Policies and Additions in Force Dec. 31, 1894. 

Number. Amount. Total No. Total Amount. 

$85,405,044 00 

34,794,273 00 

5,686,377 00 

651,381 00 

49,551 $126,537,075 00 



$12,818,630 00 

4,825,810 00 

1,710,250 00 
7,385 



Whole life, 


• 


. 


. 32,276 


Endowment, 


. 


. 


. 15,244 


All other, . 


. 


. 


. 2,031 


Reversionary 


additions, 
Po 


• ~ 




licies issue 


Whole life, 


, 


, 


. 4,999 


Endowment, 


. 


. 


. 1,944 


All other, . 




• 


442 




Old Po 


Whole life, 


, 


m 


406 


Endowment, 


, 


, 


302 


All other, . 


» 


• 


880 



19,354,690 00 



$727,946 00 

277,805 00 
2,509,447 00 
1,588 



3,515,198 00 



156 



THE PENN MUTUAL LIFE INSURANCE COMPANY. 



Old Policies Increased. 



Whole life, 
Endowment, 
All other, . 


• • 

• • 

• t 

dividends, 


Number. 

18 
3 
5 


Amount. 

$47,000 00 

8,000 00 

19,000 00 


Total No. 

26 


Total Amount. 

$74,000 00 
127,710 00 


Additions by 


• • • 


. 


Total, 


58,550 $149,608,673 00 



Policies terminated during the Year. 

Whole life, . . . 4,130 $11,790,502 00 
Endowment, . . . 1,786 4,811,612 00 
All other, .... 890 2,860,242 00 



6,806 $19,462,356 00 



How terminated. 



By death, . 


538 


$1,589,074 00 


maturity, . . , 


87 


201,514 00 


expiry, . . . 


290 


831,000 00 


surrender, . 


1,423 


3,214,477 00 


lapse, . 


3,147 


7,751,913 00 


change and decrease, 


38 


1,947,528 00 


Not taken, . 


. 1,283 


3,926,850 00 



6,806 19,462,356 00 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Policies in Force Dec. 31, 1895. 

. 33,569 $87,208,118 00 

. 15,707 35,094,276 00 

. 2,468 7,109,978 00 

733,945 00 



51,744 $130,146,317 00 



Schedule A. 
Securities held as Collateral. 



Paid-up policy and other collateral, . 
Austin (Tex.) Water, Light & Power Co. b'ds, 
Phila., Reading & New England R.R. bonds, . 
Marietta & North Georgia Railway Co. bonds, 
Lynchburg & Durham Railroad bonds, . 
800 shares United Gas Improvement Co , 
200 shares Pennsylvania Railroad Co., . 



Market Value. 

$5,000 00 
10,000 00 
18,750 00 
40,000 00 
105,403 57 

50,000 00 



Amount Loaned. 

$5,258 02 

68,250 00 

22,800 00 

383,600 00 

105,600 00 

< 64,800 00 

I 10,400 00 



THE TENN MUTUAL LIFE INSURANCE COMPANY. 



157 



Electric & People's Traction Co. trust certs., . 
265 shares Minnesota Title Ins. and Trust Co., 
Traction Co. of New Jersey bonds, . 
200 shares Consolidated Traction Co. of N. J , 
115 " Edison Electric Light Co. of Phila., 

10 " Market Street National 'Bank, 
500 " Philadelphia Traction Co , 
500 " Duquesne Traction Co., . 
Lehigh Valley Railroad Co. bonds, . 
Consolidated Traction Co. of N. J. bonds, 
Pennsylvania Railroad Co. bonds, . 
478 shares Philadelphia Traction Co., 

20 shares Edison Electric Light Co. of Phila , 
State of North Carolina bonds, 
185 shares Frankfd & South. Phila. City R'y, 
City of Lynchburg, Va., bonds, 
500 shares West Chicago Street Railway Co., . 
A. & P. Roberts Co. (Pencoyd Iron Works) b'ds, 
Citizens 1 Street Railway Co., Indianapolis, b 1 ds, 
200 shares Philadelphia Traction Co., 



Market Value. 

$50,000 00 
11,700 00 

60,000 00 
12,000 00 

39,000 00 

6,000 00 

) 

[ 40,000 00 



94 " Huntingdon & Broadtop, 
100 " United Gas Improvement Co., 
225 " Philadelphia Traction Co., 
50 " Metropolitan Traction Co., 
260 " Philadelphia Traction Co., . 
154 " Union Traction Co., 
795 " Philadelphia Traction Co., . 
308 " Union Traction Co., 
100 " Baltimore Traction Co., . 
415 " Philadelphia Traction Co., 
231 " Union Traction Co., 
150 " Metropolitan Traction Co., 
100 « Frank. & So. Phil. City R'y Co., 
200 " Lehigh Coal and Navigation Co., 
50 " American Dredging Co of Phila., 
50 " Philadelphia Traction Co., 
40 " Real Estate Title Ins and Trust Co. 
50 " Philadelphia Traction Co., 
Penn. Co. rec. Elec. & Peo. Trac. Co. cert, 
51 shares Catawissa Railway Co., . 
44 shares Germantown & Norrist'wn R.R. Co., 
Clearfield & Jefferson Railroad Co. bonds, 
Pennsylvania Railroad Co. bonds, . 
100 shares Insurance Co. of North America, 
Electric & People's Traction Co. trust certs., 
Electric & People's Traction Co. trust certs., 
98 shares Pennsylvania Steel Co., . 
18 shares Frank. & So. Phil. City R'y Co., 



85,000 00 

50,000 00 

15,000 00 

50,000 00 

100,000 00 



} 48,000 00 { 



17,000 00 
15,000 00 

50,000 00 
39,000 00 

35,000 00 

2,700 00 

4,500 00 

6,500 00 
13,000 00 

6,500 00 

6,000 00 
4,500 00 



Amount Loaned. 

|63,920 00 

15,900 00 

< 82,620 00 
( 5,000 00 
^ 13,340 00 
I 1,350 00 

< 32,500 00 
I 16,750 00 

8,750 00 

( 8,100 00 

5,900 00 

31,070 00 

2,320 00 

109,000 00 

61,975 00 

18,840 00 

55,000 00 

125,000 00 

34,000 00 

13,000 00 



f 



2,820 00 

^ 8,100 00 

{ 14,625 00 

t 5,000 00 

J 16,900 00 

I 1,694 00 

< 51,675 00 
\ 3,388 00 
C 1,675 00 
r 26,975 00 

2,541 00 

(.15,000 00 

r 33,500 00 

j 8,800 00 

< 8,250 00 
\ 3,250 00 
\ 4,400 00 
\ 3,250 00 
t 2,584 00 
J 2,473 50 
\ 5,500 00 

15,080 00 

r 1,150 00 

2,225 00 

!. 4,751 20 

\ 4,392 80 

I 4,270 00 

6,030 00 



158 



THE PENN MUTUAL LIFE INSURANCE COMPANY. 



1,100 shares Lehigh Valley Railroad Co., 
36 " Catawissa Railroad Co., 

527 " Union Traction Co., 
50 " Metropolitan Traction Co., . 
10 " Philadelphia Traction Co., . 

100 " Electric Storage Battery Co., 
Pennsylvania and Maryland Steel Co. bonds, 
Pennsylvania Railroad Co. bonds, . 
Lehigh Valley Railroad Co. bonds, . 
Baltimore Traction Co. bonds, . 
100 shares Edison Electric Light Co. of Phila., 
Bergner & Engel Brewing Co. bonds, 

100 shares Bergner & Engel Brewing Co., 
7,200 shares East Harrisburg Pass. R'y Co., 
Phila. & Reading Coal and Iron Co. bonds, 
Town of Durham, N. C, bonds, 
City of Charleston, W. Va , bonds, . 
900 shares Camden Horse Railroad Co., . 
Toledo (Ohio) Electric St. Railway Co. bonds 
2,000 shares Lehigh Valley Railroad Co., 
Phila. & Reading Del. River Ter. Ext. bonds 
Philadelphia & Reading Railroad Co. bonds 
Northern Pacific Land Grant bonds, 

55 shares Edison Elec. Light Co. of Phila. 

449 " West Chicago Street Railway Co. 

300 " United Gas Improvement Co., 

400 " Metropolitan Traction Co., . 
Electric & People's Traction Co. trust certs., 

460 shares Philadelphia Traction Co., . 
77 " Union Traction Co., 
1,000 " Philadelphia Traction Co , . 

100 " Cambria Iron Co., 
Electric & People's Traction Co. trust certs., 
300 shares Union Traction Co., 
City Water & Light Co. of Abilene, Kan., b'ds 
Scioto Water Co. bonds, . . 
Kansas Water & Light Co. bonds, . 
Crawfordsville (Ind.) Water & Light Co. b'ds 
United Terminal Railway Co. bonds, 
Cape Girardeau Southwestern R.R. Co. bonds 
Richfield School Dist., Morton Co., Kan., b'ds, 
Consolidated Gas & Electric Light Co. bonds 
Topeka (Kan.) Water Co. bonds, . 
Shelbyville (111.) W r ater & Light Co. bonds, 
Indiana Water & Light Co. of Shelbyville b'ds 
American Debenture Co. bonds, 
Toledo & Ohio Central Ext. Railroad Co. b'ds 



Market Value. 



J 

9,500 00 
I 25,000 00 

150,000 00 

> 5,500 00 

30,000 00 
12,000 00 
50,000 00 

I 12,000 00 

5,000 00 

[ 100,000 00 



27,500 00 

50,000 00 
3,000 00 

13,000 00 



$50,000 00 i 



}> 61,800 00 <; 



Amount Loaned. 

($10,150 00 

1,746 00 

5,797 00 

5,000 00 

650 00 

2,800 00 

3,150 00 

2,600 00 

1,250 00 

1,000 00 

11,600 00 

< 22,000 00 

l 9,800 00 

216,000 00 

( 5,000 00 

> 1,040 00 
( 1,080 00 

58,500 00 

15,000 00 

73,000 00 

( 9,000 00 

> 3,800 00 
( 1,675 00 

6,380 00 
49,390 00 
21,300 00 
i 40,000 00 
^ 5,168 00 
$ 29,900 00 
t 847 00 
65,000 00 
4,400 00 
{ 10,880 00 
t 3,300 00 
15,000 00 
3,000 00 
2,000 00 
2,400 00 
9,750 00 
2,000 00 
2,700 00 
4,750 00 
3,000 00' 
1,350 00 
6,750 00 
2,000 00 
4,500 00 



THE PENN MUTUAL LIFE INSURANCE COMPANY. 



159 



50 shares Fidelity Ins. T't & Safe Dep. Co , 
200 shares United Gas Improvement Co., 
Boston United Gas Co. bonds, . 
Bay State Gas Co. bonds, .... 
Dutchess County Railroad Co. bonds, 
Union Pacitic, Denver & Gulf R.R. Co. bonds 
269 shares United Gas Improvement Co., 
Boston United Gas Co. bonds, . 
Phoenix Iron Co. bonds, .... 
Assign, of mort. on prop, at Phcenixville, Pa. 
100 shares Metropolitan Traction Co., . 
300 " Union Traction Co., 
100 " Lehigh Valley Railroad Co., . 
345 " Hestonv^Mantua&Fair'tR'y Co. 
200 " Baltimore Traction Co., . 
Penn. Co. rec. Elec. & Peo. Trac. Co. tr. certs. 
Electric & People's Traction Co. trust certs., 
Consolidated Trac. Co. of New Jersey bonds 
Penn. Co. rec. Elec. & Peo. Trac. Co. tr. certs. 
100 shares Philadelphia Traction Co., 

15 " Metropolitan Traction Co., 
77 " Union Traction Co., 
Elec. & People's Trac: Co. trust certs., 
600 shares Philadelphia Traction Co., 
100 " Baltimore Traction Co., 8 
100 " Metropolitan Traction Co., 
Consolidated Trac. Co. of New Jersey bonds 
Consolidated Trac. Co. of New Jersey bonds 

100 shares West Chicago Street Railway Co. 

400 " Baltimore Traction Co , 

100 " Pittsburgh Traction Co., 
2,000 " Union Traction Co., . 

600 " Metropolitan Traction Co., . 
Consolidated Trac. Co. of New Jersey bonds 

300 shares Duquesne Traction Co., 

100 " Pittsburg Traction Co., 

400 " Philadelphia Traction Co., . 

100 " Union Traction Co., . 
16 " Frankfd & Southw'k City R'y Co 
1,200 " Pennsylvania Railroad Co., 
2,600 " Lehigh Coal & Navigation Co., 
1,200 " Pennsylvania Railroad Co., . 
Mortgages assigned, .... 



Market Value. 



}> $50,000 oo <; 



16,000 00 
25,000 00 

30,000 00 



J. 50,000 00 

I 

J 

) 

[ 50,000 00 

J 



J 



50,000 00 
50,000 00 



} 50,000 00 i 



r 



}» 50,000 00 <{ 



50,000 00 
100,000 00 

50,000 00 
576,141 53 



Amount Loaned. 

f$22,100 00 
16,200 00 
13,500 00 
4,050 00 
6,300 00 
3,300 00 
21,789 00 
39,000 00 
< 45,000 00 
I 14,647 26 
10,000 00 
3,300 00 
3,650 CO 
17,595 00 
3,350 00 
10,336 00 
680 00 
14,580 00 
46,512 00 
6,500 00 
<| 1,500 00 
I 847 00 
^ 2,040 00 
/ 39,000 00 
J 1,675 00 
] 10,000 00 
I 4,860 00 
, 8,100 00 
11,000 00 
<( 6,700 00 
I 7,000 00 
^ 22,000 00 
60,000 00 
'12,150 00 
10,050 00 
7,000 00 
26,000 00 
1,100 00 
5,360 00 
61,800 00 
114,400 00 
61,800 00 
576,141 53 



$2,796,995 10 $3,768,658 31 



160 



THE PENN MUTUAL LIFE INSURANCE COMPANY. 



Schedule B. 

Slocks and Bonds owned by the Company. 

Par Value. Market Value. 

United States registered consols, . . . $115,000 00 $126,500 00 

United States coupon bonds, .... 100,00000 117,00000 

Pennsylvania Railroad bonds, .... 206,000 00 249,390 00 

Pennsylvania Equipment trust certificates, . 50,000 00 50,C00 00 

American Steamship Co. bonds, . . . 25,000 00 25,625 00 

Northern Central Railway bonds, . ..." 110,000 00 126,500 00 

Philadelphia & Reading Railroad certificates, 144,000 00 147,500 00 

Philadelphia & Reading Railroad bonds, . . 200,000 00 188,500 00 

Philadelphia, Reading & N.England R.R. Vds, 122,000 00 41,700 00 

North East Pennsylvania Railroad bonds, . 100,000 00 95,000 00 

Cornwall & Lebanon Car Trust certificates, . 37,000 00 37,740 00 

Allentown & Bethlehem, Pa , bonds, . . 100,000 00 110,000 00 

Pitts., Cin., Chic. & St. Louis Railway bonds, . 50,000 00 53,500 00 
Hestonville, Mantua & Fairmount R.R. Pass. 

Co. of Philadelphia bonds, .... 50,000 00 55,250 00 

13th & 15th Sts. Pass. R'y Co. of Phila. bonds, 50,000 00 59,750 00 

Second Av. Traction Co. of Pitts , Pa , bonds, . 50,000 00 51,250 00 

New York, Phila. & Norfolk Car Trust cert, . 96,000 00 97,920 00 

Trenton, N J., Pass. Railway bonds, . . 100,000 00 107,000 00 

Buffalo & Susquehanna R.R. bonds, . . 89,000 00 89,000 00 

Dutchess County R.R. Co. bonds, . . . 15,000 00 13,500 00 

Metropolitan Ferry Co of New York bonds, . 44,000 00 47,520 00 

Southern Railway Co. bonds, . . ... 66,000 00 61,380 00 

Norfolk & Western R.R. certificates, . . 100,000 00 101,500 00 

Norfolk & Western R.R. Co. bonds, . . 100,000 00 82,000 00 

Columbus & Cincinnati, O., Midland R R. b'ds, 150,000 00 112,500 00 

Ohio Ri^er R.R. bonds, . . . . 100,000 00 100,000 00 

Toledo Belt Railway bonds, . 76,000 00 76,000 00 

Toledo, ()., Electric Street Railway bonds, . 100,000 00 100,000 00 

Toledo & Ohio Central Extension R.R. bonds, 125,000 00 100,000 00 

Cleveland City, O., Cable Railway Co. bonds,. 84,000 00 88,620 00 

East Cleveland, O., R R Co. bonds, . . . 30,000 00 32,100 00 

Terre Haute, Ind., Street Railway Co. bonds, . 25,000 00 27,500 00 

Grand Rapids & Indiana R.R. bonds, . . 100,000 00 25,000 00 

Terre Haute & Logansport, Ind., R.R. bonds, . 100,000 00 110,000 00 

North Chicago, 111 , Street R.R. Co. bonds, . 50,000 00 53,250 00 

St. Louis Merchants' Bridge Co. bonds, . . 75,000 00 77,437 50 

Chicago & West Mich. Railway bonds, . . 100,000 00 75,000 00 

Jacksonville, Louisv. & St. Louis R'y bonds, . 53,000 00 30,000 00 

Jacksonville Southeastern Railway bonds, . 17,000 00 17,000 00 

Venice & Carondelet Railway bonds, . . 200,000 00 200,000 00 

Kansas City, Mo., Cable Railway Co. bonds, . 111,000 00 115,717 50 

Sioux City, Iowa, Terminal R.R. bonds, . . 150,000 00 120,000 00 

Minneapolis & St. Louis R.R. bonds, . . 100,000 00 125,000 00 

Minneapolis & Duluth R.R. bonds, . . . 50,000 00 59,000 00 



THE PENN MUTUAL LIFE INSURANCE COMPANY. 



161 



Duluth, Minn., Street Railway bonds, 
Northern Pacific R.R. Co. Receivers 1 cert., 
United Sec. Life Ins. & Trust Co. of Pa. b'ds 
Union League of Phila bonds, 
Abington Township, Pa., bonds, 

Chester, Pa , bonds, 

West Chester, Pa., Gas Co. bonds, . 

Duquesne Club, Pittsburgh, Pa , bonds, . 

Johnstown, Pa., school district bonds, 

McKeesport, Pa., school district bonds, . 

Chester, Pa., common school district bonds, 

Cheltenham Sch. Dist., Mont. Co., Pa., bonds, 

Township of Cheltenham, Mont. Co., Pa., loan, 

Hazleton City, Pa., school district bonds, 

New Brighton, Pa , school district bonds, 

Borough of Wilkinsburg, Pa., sch. dist. bonds, 

Borough of Washington, Pa., sch. dist. bonds, 

Borough of Pittston, Pa., bonds, 

Salem, N. J., bonds, . 

Stockton, N. J., bonds, 

Richmond, Va., loan, 

County of Rockbridge, Va., bonds, 

City of Charleston, W. Va., school bonds 

City of Wilmington, N. C , bonds 

City of Winston, N. C, bonds, . 

Winston Township, N. C, bonds, 

Durham, N. C, bonds, 

City of Fernandina, Fla., bonds, 

Board of Education of Xenia, Ohio, bonds, 

Findlay, Ohio, bonds, 

Ravenna, Ohio, bonds, 

City of Lima, Ohio, bonds, 

Village of Lorain, Ohio, bonds, 

Martin's Ferry, Ohio, City Elec. Light bonds, 

Toledo, Ohio, school bonds, 

Martin's Ferry, Ohio, school bonds, 

Evansville, Ind , bonds, . 

Chicago, 111., San. Dist. mun. bonds, 

St Joseph, Mo., bonds, 

Atchinson, Kan., bonds, . 

City & Township of Independence, Kan , b'ds 

County of Saline, Kan., bonds, 

City of Duluth, Minn., bonds, . 

Lincoln City, Neb., bonds, 

Nebraska City, Neb., bonds, . 

Hastings, Neb., bonds, 

City of Beatrice, Neb , bonds, . 

City of Hastings, Neb., bonds, . 



Par Value. 

$50,000 00 
100,000 00 
25,000 00 
18,000 00 
20,000 00 
100,000 00 
62,500 00 
121,000 00 
50,000 00 
57,000 00 
60,000 00 
3,500 00 
75,000 00 
36,000 00 
14,500 00 
50,000 00 
50,000 00 
33,300 00 
45,000 00 
30,000 00 
62,000 00 
65,000 00 
56,000 00 
90,000 00 
60,000 00 
60,000 00 
70,000 00 
30,000 00 
20,000 00 
50,000 00 
60,000 00 
150,000 00 
49,000 00 
28,000 00 
35,000 00 
25,000 00 
45,000 00 
50,000 00 
100,000 00 
75,000 00 
23,200 00 
84,000 00 
50,000 00 
40,000 00 
100,000 00 
100,000 00 
50,000 00 
13,000 00 



Market Value. 

$50,000 00 
103,000 00 
25,125 00 
18,360 00 
21,000 00 
105,250 00 
64,062 50 
122,210 00 
53,250 00 
59,850 00 
61,950 00 
3,613 75 
79,875 00 
37,080 00 
15,370 00 
53,000 00 
52,250 00 
35,000 00 
47,250 00 
32,625 00 
63,240 00 
66,625 00 
60,480 00 
94,500 00 
63,000 00 
60,600 00 
72,800 00 
30,600 00 
20,200 00 
51,500 00 
61,650 00 
164,250 00 
50,470 00 
29,000 00 
37,275 00 
26,000 00 
45,000 00 
52,750 00 
112,000 00 
60,000 00 
24,128 00 
86,520 00 
50,500 00 
42,000 00 
103,000 00 
101,000 00 
51,500 00 
13,390 00 



162 THE PHCENIX MUTUAL LIFE INSURANCE COMPANY. 



Commercial Club, Ft. Worth, Tex., bonds, 

National Water Works Investment Co. bonds, 

Hudson Riv. Water Power & Paper Co. bonds, 

Jamestown, N. Y., water bonds, 

ChiUicotbe, O., Gas & Water Co. bonds, . 

Hamilton & Rossville, O., Hydraulic Co bonds 

St Jo., Mo., Water Co. bonds, . 

Joplin, Mo., Water Co. bonds, . 

Sioux City, la., Stock Yards Co. bonds, . 

Hutchinson, Kan., Water, Lt & Power Co. b'ds 

Burlington, la., Water Co. bonds, . 

Boonville Mo., Water Co. bonds, 

Champ. & Urb , 111., Water & Elect. L't Co. b'ds 

Freeport, 111., Water Co. bonds, 

Lincoln, Neb., Gas Co. bonds, . 

Austin, Texas, Water Co. bonds, 

1,615 shares Southern Railway Co., . 
<660 " Sioux City, la., Traction Co., 
500 " Delaware Insurance Co., Phil a., 
100 " Western National Bank, Phila., 
76 " Bank of North America, Phila., 
50 ** Girard National Bank, Phila, 



Par Value. 

$20,000 00 

100,000 00 

50,000 00 

150,000 00 

83,500 00 

34,000 00 

100,000 00 

60,0U0 00 

90,000 00 

92,000 00 

30,000 00 

50,000 00 

100.000 00 

100,000 00 

50,000 00 

130,000 00 

161,500 00 

66,000 00 

12,500 00 

5,000 00 

7,600 00 

2,000 00 



Market Va'ne. 

$2u,40O 00 

100,000 00 
51,500 00 

154,500 00 
84,335 00 
34,000 00 

100,000 00 
61,200 00 
93,150 00 
59,800 00 
31,800 00 
49,000 00 
98,000 00 

102,500 00 
50,000 00 

100,000 00 
45,220 00 
49,500 00 
12,125 00 
8,550 00 
19,076 00 
4,250 00 



Cost value, 



5,050,100 00 $7,842,155 25 
. 7,721,867 09 



"THE PHCENIX MUTUAL LIFE INSURANCE COiMPANY," 
HARTFORD, CONN. 

{Incorporated May, 1851. Commenced business May, 1851.] 

Jonathan B. Bunce, President. Charles H. Lawrence, Secretary. 

Income. 

Received for premiums on new policies, $304,581 81 

^Received for renewal premiums, 873,384 90 

Dividends applied to pay running premiums, .... 124,45480 

Dividends applied to purchase paid-up additions and annuities, 27,030 96 

Surrender values applied to pay running premiums, . . 5,895 15 
Surrender values applied to purchase paid-up insurance and 

annuities, . . . 659 56 

Total, $1,336,007 18 

Deduct amount paid for reinsurance, 5,274 55 

Total premium income, $1,330,732 63 

Received for interest, 507,955 96 

as discount on claims paid in advance, . . . 160 07 

for rents of company's property, .... 29,873 33 



THE rilCENIX MUTUAL LIFE INSURANCE COMPANY. 163 



Received for reinsurance, . 
Profit on securities sold, . 
Profit and loss account, . 



$472 29 
5,222 56 
7,095 70 



Total income, .... 
Net or ledger assets Dec. 31, 1894, . 



Total, 



. $1,881,512 54 
. 9,919,261 54 

$11,800,774 08 



Disbursements. 

Paid for losses and additions, . . . . 

Paid for matured endowments and additions, 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 
Paid to annuitants, . . . . . . 

Dividends paid policy-holders, 

applied to pay running premiums, . 

applied to purchase paid-up additions and annuities 

Surrender values paid, 

applied to pay running premiums, 
applied to purchase paid-up insurance and 
annuities, ...... 



Total paid policy-holders, 

Cash paid for commissions and bonuses to agents, new poli 
cies, $175,686.25 ; renewals, 159,180.65, 

for salaries and allowances to managers and agents 

for medical examiner's fees and inspections, . 

for salaries of officers and home office employees, 

for taxes ©>n new premiums, $3,109 93 ; on renew- 
als, $6,911.40, . . . 

on reserves, ..... 

for taxes on real estate, . 

for fees, licenses, etc., 

for rent, . . 

for commuting commissions, . 

for advertising, printing and postage, 

for legal expenses, .... 

for furniture, . . . 

for real estate expenses (except taxes), 

for loss on sales of property, . 

for incidentals, .... 

Profit and loss account (real estate), 



Total disbursements, 
Balance, 



$708,749 61 
139,470 00 

$848,219 61 
10,000 00 

$838,219 61 

2,152 00 

2,948 56 

124,454 80 

27,030 96 

111,889 16 

5,895 15 

659 56 



.,113,249 80 

234,866 90 
59,371 60 
36,795 20 
62,784 26 

10,021 33 
25,404 02 
15,820 96 

6,083 47 

18,934 05 

500 00 

31,833 76 

2,476 56 

602 72 

12,780 04 

3,692 65 
13,563 52 
35,556 43 

. $1,684,337 27 

$10,116,436 81 



164 THE PHOENIX MUTUAL LITE INSURANCE COMPANY. 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, ...... 



Ledger assets, as per balance, . 

Other Assets. 
Interest due and accrued, . 
Market value of stocks and bonds over cost, . 



$858,950 29 

5,978,010 92 

5,600 00 

205,946 00 

500,246 09 

2,364,416 63 

269 58 

202,997 30 

,116,436 81 



146,502 32 
41,205 31 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, ..... 

Total, 

Deduct loading (20 per cent.), 

Net amount of uncollected and 
deferred premiums, 



New Business. 

150,087 27 

26,486 34 

$76,573 61 
15,314 72 



Renewals. 

$46,129 00 

72,800 40 

$118,929 40 
23,785 88 



$61,258 89 $95,143 52 



156,402 41 



Total assets, per company's books, . 
Deduct special deposits in other States, . 



$10,460,546 85 
135,547 00 



Balance, 



$10,324,999 85 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), .... $9,519,366 00 
Deduct net value of reinsured risks, ..... 17,263 00 



Net reserve, 

Special policy reserve, .... 
Death losses in process of adjustment, 
Unpaid dividends of surplus due policy-holders, 
Premiums paid in advance, 
Reserve on real estate account, 

Liabilities as to policy-holders, 
Deduct liabilities on special deposits, 

Surplus as regards policy-holders, . 

Gross liabilities, , . , , 



>,502,103 00 

228,022 00 

54,430 00 

2,500 00 

7,710 00 

99,528 00 

),894,293 00 
135,547 00 



$9,758,746 00 
566,253 85 

$10,324,999 85 



THE PHCENIX MUTUAL LIFE INSURANCE COMPANY. 



165 



Premium Note Account. 



Premium notes on hand Dec. 31, 1894, 
Used in payment of losses and claims, . 
in purchase of surrendered policies, 
in payment of dividends to policy-holders 
Redeemed by maker in cash, . 

Total, 



$33,196 12 

9,842 60 

119 98 

15,365 22 



$558,770 01 



58,523 92 



Balance note assets Dec. 31, 1895, . . . . . $500,246 09 

Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1894. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 14,498 $24,332,106 00 
Endowment, . . . 8,198 11,564,379 00 
All other, .... 101 247,500 00 

Reversionary additions, . - 237,064 00 

22,797 $36,381,049 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Tear, 

. 3,686 $7,426,019 00 

. 2,430 3,652,297 00 

45 91,801 00 



6,161 11,170,117 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 



15 


$29,041 00 


25 


32,500 


00 


2 


6,000 


00 



42 



Old Policies changed and increased. 
Whole life, ... 21 $59,500 00 

Endowment, ... 14 34,045 00 

•All other, .... 122 292,000 00 



157 



Additions by dividends, . 
Total 



67,541 00 



385,545 00 
50,739 00 



. 29,157 $48,054,991 00 



Policies terminated during the Year. 

Whole life, . . . 2,469 $5,009,352 00 
Endowment, . . . 1,649 2,429,265 00 
All other, .... 40 156,043 00 



4,158 $7,594,660 00 



166 THE PHGENIX MUTUAL LIFE INSURANCE COMPANY. 







How terminated. 








Number. 


Amount. Total No. 


Total Amount. 


By death, . 




440 


$745,210 00 




maturity, 




121 


139,570 00 




expiry, . 




1 


801 00 




surrender, 




282 


517,735 00 




lapse, 




. 1,416 


2,488,136 00 




change and deer 


ease, 


327 


984,069 00 




Not taken, . 


• 


. 1,571 


2,719,139 00 


$7,594,660 00 










Policies in Force Dec. 31, 1895. 




Whole life, 


. 


. 15,751 


$26,837,314 00 




Endowment, 


. 


. 9,018 


12,853,956 00 




All other, 


. 


230 


505,500 00 




Reversionary additions, 


- 


263,561 00 








'■ 


24,999 


$40,460,331 00 



Schedule A. 

Securities held as Collateral. 

Market Value. Amount Loaned. 

20 shares National Fire Ins. Co., Hartford, . $3,000 00 

28 shares Merrick Thread Co., Holyoke, . . 7,000 00 



$5,600 00 



$10,000 00 $5,600 00 



Schedule B. 



Slocks and Bonds owned by the Company. 



Erie consolidated mortgage bonds, . 
Chicago, Milwaukee & St. Paul bonds, 
Vermont Valley R.R. Co. bonds, 
Hartford & Conn. Western R.R. bonds, . 
St. Louis & San Francisco R.R. bonds, 
Louisville, New Albany & Chicago R'y bonds 
Louisv. & Frank, and Lex. & Frank. R.R. b'ds 
Flint & Pere Marquette Railroad bonds, . 
Chicago, Rock Island & Pacific R'y bonds, 
Baltimore Belt R R. bonds, 
Tarkio Valley Railroad bonds, . 
Indiana & Lake Michigan Railway bonds, 
Lake Shore & Michigan Southern R'y bonds, 
Hannibal & St. Joseph Railroad bonds, . 
Cleveland, Columbus, Cin. & Ind. R R. bonds, 
Evansville & Indianapolis Railroad bonds, 
Rochester & Pittsburgh Railroad bonds, . 
Northern Pacific Railroad bonds, 
Cincinnati, Dayton & Ironton Railway bonds, 



Cost Value. 

$120,833 75 
50,375 00 
103,750 00 
50,000 00 
44,460 00 
27,420 00 
16,600 00 
50,000 00 
24,556 25 
25,375 00 
16,518 75 
10,000 00 
30,062 50 
28,250 00 

5,775 00 
27,500 00 
28,681 25 
15,550 00 

9,550 00 



Market Value. 

$135,000 00 
57,000 00 
108,000 00 
50,000 00 
44,800 00 
26,500 00 
15,450 00 
45,000 00 
25,250 00 
23,750 00 
16,200 00 
10,000 00 
29,750 00 
29,500 00 
6,000 00 
22,500 00 
29,750 00 
15,150 00 
10,800 00 



THE PHCENIX MUTUAL LIFE INSURANCE COMPANY. 167 



St. Paul & Northern Pacific Railway bonds, 

Lehigh Valley Terminal Railway bonds, 

Ohio & West Virginia Railway bonds, 

Phil a. & Reading Coal & Iron Co. bonds, 

Chicago & Western Indiana Railroad bonds, 

Indianapolis & St. Louis R.R. bonds, 

Belleville & Southern Illinois R.R. bonds, 

Nashville & Decatur R.R bonds, 

Philadelphia & Reading R.R. bonds, 

Cin , Indianapolis, St. Louis & Chicago bonds 

Chicago & Northwestern Railway bonds, 

Elizabethtown, Lexing. & Big Sandy R.R.b'ds 

Brockton St. Railway Co. bonds, 

Waterbury Traction Co. bonds, 

Hartford Street Railway Co. bonds, 

Brooklyn Wharf & Warehouse bonds, 

Western Union Telegraph Co bonds, 

Niagara Falls. Park debenture bonds, 

Co. of Middlesex, Pro v. of Ont., D. of C. deb 

State of Virginia bonds, . 

County of Licking, Ohio, bridge bonds, 

County of Pierce, Washington, funding bonds 

City of Blair, Washington Co., Neb., bonds, 

City of Columbus, Ohio, bonds, 

City of Lincoln, Neb., bonds, . 

City of Topeka, Kan., bonds, . 

City of Urbana, Ohio, bonds, . 

City of Kansas City, Kan., bonds, 

City of Coldwater, Mich., bonds, 

City of Fostoria, Ohio, bonds, . 

City of Seattle, Wash , bonds, . 

City of Portland, Ore., bonds, . 

City of Cheyenne, Wyo., bonds, 

Ogden City, Utah, bonds, . 

City of Roanoke, Va., bonds, . 

City of Greensboro 1 , N. C, bonds, 

City of Beatrice, Neb., bonds, . 

School District of Sioux City, Iowa, 

School District of Superior, Neb., 

School District of Syracuse, Neb., 

School District of Stanbury, Mo., 

School District of Trenton, Mo., 

School District of Eaton, Mo., . 

School District No. 5, Sheridan, Mo 

School District of Mankato, Minn., 

School District No. 37, Humboldt, Neb., 

School District of Onawa, Iowa, 

School District No. 15, Nelson, Neb 



Cost Value. 

$17,362 50 
51,875 00 
47,200 00 
33,940 00 
91,052 50 
8,435 00 
55,950 80 
22,400 00 
51,250 00 
19,305 00 
58,481 25 
9,925 00 
41,000 00 
10,000 00 
25,437 50 
51,250 00 
22,200 00 
103,747 60 
31,800 00 
10,500 00 
10,200 00 
52,000 00 
5,075 00 
13,107 40 
44,705 00 
33,068 44 
26,750 00 
13,259 64 
35,525 00 
10,000 00 
25,000 00 
59,325 00 
30,000 00 
7,720 00 
10,500 00 
4,590 00 
4,040 00 
34,825 00 
12,600 00 
10,350 00 
5,025 00 
14,850 00 
1,708 50 
1,648 00 
15,247 50 
9,135 00 
2,525 00 
17,900 00 



Market Value. 

$18,300 00 
56,000 00 
46,800 00 
33,000 00 
92,800 00 

8,400 00 
52,000 00 
22,000 00 
52,500 00 
19,080 00 
58,000 00 
10,000 00 
41,000 00 
10,000 00 
25,437 50 
49,000 00 
21,800 00 
103,747 60 
31,800 00 
10,500 00 
10,000 00 
52,000 00 

5,000 00 
12,800 00 
45,000 00 
32,431 84 
25,000 00 
13,000 00 
35,000 00 
10,000 00 
25,000 00 
59,325 00 
30,000 00 

8,000 00 
10,500 00 

4,500 00 

4,000 00 
35,000 00 
12,600 00 
10,200 00 

5,000 00 
15,000 00 

1,700 00 

1,600 00 
15,000 00 

9,000 00 

2,500 00 
17,900 00 



168 PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 

Cost Value. Market Value. 

Sch. Dist. No. 2, Lewis and Clarke Co., Mont., $10,100 00 $10,000 00 
School District No. 29, Polk Co., Ore., . . 12,840 00 12,600 00 

Sch. Dist No. 1, Lewis and Clarke Co., Mont , 25,687 50 25,500 00 

School Dist. No. 1, County of Laramie, Wyo., 21,000 00 21,000 00 

Sch. Dist No. 1, Colfax, Whitman Co , Wash., 30,150 00 30,000 00 

School District No. 1, Portland, Ore., . . 25,250 00 25,250 00 

School District No. 5, Denver, Col 2,500 00 2,500 00 

200 shares Charter Oak Nat'l B'k, Hart., Conn., 19,662 00 18,000 00 

200 

35 
100 
644 

37 
236 
300 

50 
116 
100 
284 

63 
700 

62 



First National Bank, Hart., Conn., 22,255 00 22,000 00 

JEtna National Bank, Hart., Conn., 3,500 00 4,900 00 

Mercantile Nat'l Bank, Hart , Conn., 6,950 00 8,000 00 

American Nat'l Bank, Hart., Conn , 37,173 00 45,080 00 

Farm. &Mech.N , lB , k, Hart., Conn., 4,080 00 4,255 00 

Phoenix National B'k, Hart., Conn., 30,320 00 28,320 00 

Nat'l Exchange Bank, Hart , Conn., 18,900 00 18,600 00 

United States Bank, Hart., Conn., . 5,000 00 16,250 00 

City Bank of Hartford, Conn., . 12,156 00 12,180 00 

Security Company, Hartford, Conn., 10,000 00 12,500 00 

Hartford City Gas Light Company, 7,350 00 11,360 00 

N. Y., New Haven & Hartford R.R., 10,359 00 11,340 00 

Fort Wayne & Jackson R.R. Co., . 78,650 00 84,000 00 

Hartford National Bank, . . 8,985 00 8,990 00 

New York, New Haven & Hart. R.R. bonds, . 2,500 00 3,375 00 



>,364,416 63 $2,405,621 94 



" PROVIDENT LIFE AND TRUST COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated March 22, 1865. Commenced business June, I860.] 

Paid-up Capital, $1,000,000. 

Samuel R. Shipley, President. Asa S. Wing, Vice-Pres. and Actuary. 

Income. 

Received for premiums on new policies, $433,865 74 

Received for renewal premiums, ....... 3,085,660 43 

Dividends applied to pay running premiums, .... 524,176 71 

Dividends applied to purchase paid-up additions and an- 
nuities, 102,363 79 

Surrender values applied to purchase paid-up insurance and 

annuities, 76,442 00 

Received for annuities, ........ 81,631 17 

Total premium income, ....... 14,304,139 84 

Received for interest, 1,250,295 84 

as discount on claims paid in advance, . . . 1,771 12 

for rents of company's property, .... 25,054 86 



PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 169 



Profit on securities sold, . 
Received on investments of capital,* 

Total income, . 
Net or ledger assets Dec. 31, 1894, . 



Total, 



$23,314 78 
48,790 00 



. $5,653,366 44 
. 26,236,899 52 



$31,890,265 96 



Disbursements. 



Paid for losses and additions, 

for matured endowments and additions, . 

on matured instalment policies, .... 

Gross amount paid for losses and endowments, 

Paid to annuitants, 

Cash dividends paid policy-holders, . . . 

applied to pay running premiums, . 
applied to purchase paid-up additions and an 
nuities, . . . . 

Surrender values paid in cash, 

Surrender values applied to purchase paid-up insurance and 
annuities, 



Total paid policy-holders, 

Cash paid for dividends to stockholders, .... 

for commissions and bonuses to agents, new poli- 
cies, $153,893.79 ; renewals, $220,944.86, . 
for salaries and allowances to managers and agents 
for medical examiner's fees, .... 
for salaries of officers and home office employees, 
for taxes on premiums, . 
for taxes on reserves, 
for taxes on real estate, . 
for fees, licenses, etc., 
for rent, .... 
for advertising, printing and postage, 
for legal expenses, furniture, etc., . 
for loss on sales of property, . 
for incidentals, .... 

Total disbursements, . . . . 

Balance, 



$753,531 16 

678,592 00 

200 00 

1,432,323 16 

33,278 79 

60,853 94 

524,176 71 

102,363 79 

258,031 41 

76,442 00 



$2,487,469 80 
48,790 00 

374,838 65 
26,554 41 
16,929 13 

154,614 51 
47,881 31 
4,409 10 
12,950 00 
5,796 19 
14,813 17 
34,347 88 
22,831 00 
13,170 17 
34,302 75 

$3,299,698 07 

$28,590,567 89 



* The charter, besides authority to transact a life insurance business, confers also authority 
to act as administrator, executor, etc., to transact what is known as a trust business. The 
relations of the two departments of the business are fixed by the provisions of the charter. 
The accounts are kept entirely distinct and separate. The entire surplus in the insurance 
department accumulates for the benefit of the policy-holders. The only advantage, direct or 
indirect, which the stockholders can at any time have from the union of the two features of the 
business, results from the fact that the management of the trust business, from which they 
derive their profits, is done for them without charge. This includes the interest on the capital 



170 PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office and in bank, 

Ledger assets, as per balance, . . , 



$1,604,503 90 

11,684,124 17 

1,980,128 46 

2,226,588 82 

19,710 30 

10,968,073 78 

107,438 46 

28,590,567 89 



Other Assets. 



Interest due and accrued, . 
Rents due and accrued, 



New Business. 

Uncollected premiums on poli- 
cies in force, .... $62,665 58 

Deferred premiums on policies 

in force, 63,602 30 



Renewals. 

$186,825 38 
520,601 22 



Total, . . . . . $126,267 88 $707,426 60 
Deduct loading (20 per cent ), . 25,253 58 141,485 32 



Net amount of uncollected and 

deferred premiums, . . $101,014 30 $565,941 28 



336,118 66 
3,725 79 



666,955 58 



Total assets, per company's books, . 



$29,597,367 92 



Items not admitted and Depreciation. 



Loan in excess of market value, 
Depreciation from cost of assets, 
Total, . . . 



$800 00 
129,301 40 



130,101 40 



Total admitted assets, 



$29,467,266 52 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent), 
Present value of unpaid instalments, 
Commissions due on premium notes, 
Death losses in process of adjustment, . . $41,339 00 
Claims resisted by the company, . . . 8,435 30 

Due and unpaid on annuity claims, . . . 2,638 43 

Total policy claims, . 



$25,438,526 00 

1,362 00 

593 79 



52,412 73 



PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 171 



Unpaid dividends of surplus due policy-holder 
Premiums paid in advance, 
Due for taxes, fees, salaries, expenses, etc., 
Reserve on lapsed policies, 

Liabilities as to policy-holders,. 
Surplus as regards policy-holders, . 
Paid-up capital, . . 

Surplus over capital, .... 



Gross liabilities, 



s, 



$55,689 70 

111,643 26 

425 94 

137,269 00 



$3,669,344 10 



$25,797,922 42 

. 1,000,000 00 

. 2,669,344 10 

$29,467,266 52 



Premium Note Accocnt. 

Premium notes on hand Dec. 31, 1894, . . $22,176 77 
Premium notes rec'd during 1895 (old pol's), . 1,988 60 

Total, $ 24,165 37 

Used in payment of dividends to policy-holders, $2,473 29 

Redeemed by maker in cash, . . . . 1,981 78 

Total, 4,455 07 

Balance note assets Dec. 31, 1895, . . . . . $19,710 30 
Exhibit of Policies. 



Whole life, 
Endowment, 
All other, 
Reversionary additions, 



Policies and Additions in Force Dec. 31, 1894. 

Number. Amount. Total No. Total Amount. 

. 2,901 $10,786,400 00 

. 26,854 79,219,075 00 

. 2,787 12,821,062 00 

845,387 00 
32,542 $103,671,924 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

403 $1,419,117 00 

. 2,990 8,086,838 00 

939 4,026,843 00 



4,332 13,532,798 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

22 $90,078 00 

109 337,857 00 

17 94,529 00 



148 



522,464 00 



Old Policies increased. 



Whole life, 
Endowment, 
All other, 

Additions by dividends, 
Total, 



19 
111 



$95,440 00 

440,355 00 

89,500 00 



138 625,295 00 

158,796 00 

37,160 $118,511,277 00 



172 PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 



Whole life, 
Endowment, 
All other, . 



Policies terminated during the Year. 



Number. 

227 
1,735 

584 



Amount. Total No. 

$983,813 00 
5,446,796 00 
3,258,134 00 



Total Amount. 



2,546 $9,688,743 00 



How terminated. 



By death, , 


288 


$772,252 00 


maturity, . . , 


217 


678,592 00 


expiry, 


1 


20,000 00 


surrender, . 


632 


1,934,452 00 


lapse, . . . 


, 1,195 


4,174,885 00 


change and decrease, 


138 


1,835,896 00 


Not taken, . 


75 


272,666 00 



2,546 



),688,743 00 



Whole life, 
Endowment, 
All other, 
Reversionary additions, 



Policies in Force Dec. 31, 1895. 
. 3,118 $11,407,222 00 



28,329 
3,167 



82,637,329 00 

13,833,541 00 

944,442 00 



34,614 $108,822,534 00 



Schedule A. 
Securities held as Collateral. 



100 shares Lehigh Coal & Navigation Co 
500 " Scranton Traction Co., . 
500 " Brooklyn Traction Co., . 
100 " New Orleans Traction Co., 
35 " Columbus Street Railway, 
Edison Illuminating Co. of St. Louis bonds, 
Fort Worth & Rio Grande R.R. Co. bonds, 
Columbus Street Railway bonds, 
Scranton Traction Co. bonds, . 
Southwest Virginia IrnpVt. Co. bonds, 
1,000 shares Western Gas Co., . 
1,000 " Paterson Railway Co., . 

100 " Pennsylvania Railroad Co., 
Paterson Railway Co. bonds, . 
Fort Worth & Rio Grande R.R. Co. bonds, 
Bir., Knoxville & Allentown Trac. Co. bonds, 
Edison Illuminating Co. bonds, , , . 



J> $25,000 00 



Market Value. Amount Loaned. 

$4,400 00^ 

3,500 00 

4,500 00 

1,650 00 

1,750 00 « 

6,840 00 i 

6,000 00 

2,000 00 
900 00 

1,000 00 J 
80,000 00 
30,000 00^ 

5,200 00 

2,750 00 
15,000 00 

9,000 00 

7,600 00 J 



49,118 04 



}> 48,909 73 



PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 173 



121 shares Lehigh Valley Railroad Co., 
1,000 " Metropolitan Traction Co., . 

200 " United Gas Improvement Co., 

100 " Pennsylvania Railroad Co., . 

150 " Lehigh Valley Railroad Co., 

500 " Lehigh Coal and Navigation Co. 
50 " Baltimore Trust & Guarantee Co. 

700 " Metropolitan Traction Co., . 
Minneapolis Brewing Co. bonds, 

200 shares Philadelphia Traction Co., . 
1,800 " Baltimore Traction Co , 

500 " Pittsburg Traction Co., 

100 " Metropolitan Traction Co., . 

100 " Phjla. Mortgage and Trust Co., 
1,000 " Philadelphia Traction Co., . 

100 " Metropolitan Traction Co., . 
1,300 " Philadelphia Traction Co., . 
Consolidated Traction Co. bonds, 
1,500 shares Philadelphia Traction Co., . 
1,200 " Metropolitan Traction Co., . 
2,000 • " Phila. & Reading Railroad Co., 
City of Trenton refunding bonds, . 
City of St. Paul bonds, .... 
Union Pacific, Denver & Gulf R'y Co. bonds, 
154 shares Penn. Salt ManTg Co., . 

25 " Nat'l Bank of the Nor. Liberties, 

37 " Girard National Bank, . 
121 " National State Bank of Camden, 
Ashtabula & Pitts. Railway Co. bonds, . 
Grand Rapids & Indianna R.R. Co. bonds, 
1,950 shares Metropolitan Traction Co., . 

500 " Consolidated Traction Co., . 

700 " Electric Storage Battery Co., 
Consolidated Trac. Co. of New Jersey bonds 
4,000 shares Lehigh Valley Railroad Co., 

28 shares Mortgage Trust Co. of Penn., 
Electric & People's Trac. Co trust certs., 
300 shares Philadelphia Trac. Co., . 
700 " Metropolitan Trac. Co., . 
500 " West Chicago Street Railroad Co. 
Philadelphia City Loan, .... 
3,900 shares Baltimore Trac. Co., . 
North Chicago Street Railroad Co. certs , 
900 shares Western N. Y. & Penn. R'y Co., 

7 " John B. Stetson Co., 
100 " Choc, Oklahoma & Gulf R.R. Co. 
Western N. Y. & Penn. R'y Co. bonds, . 
1,000 shares West Chicago Street R.R. Co., 



Market Value. 

$4,356 00 
98,000 00) 
15,800 00 " 



Amount Loaned. 

$2,500 00 



5,200 00 



} 98,450 00 



5,400 00 J 
22,000 00 ) 

8,500 00 S 
68,600 00 
26,000 00 
13,000 00 
29,700 00 "n 
33,500 00 S 

9,800 00 ) 

7,000 00 
65,000 00 

9,800 00 -s 

84,500 00 i 

20,250 00 J 

97,500 00 ^ 

117,600 00 S 

5,000 oo ; 

15,300 00 ) 
3,450 00 S 
3,200 00 
15,554 00 >| 
3,550 00 ' 
3,145 00 . 
12,100 00 J 
1,130 00 ) 
750 00 S 
191,100 00 >| 
13,500 00 J 
17,500 00 i 
48,600 00 J 
144,000 00 
3,360 00 
58,080 00 
19,500 00 
68,600 00 ) 
54,500 00 S 

2,000 00 
64,350 00 
120,000 00 
2,475 00 >j 



22,000 00 

49,218 75 

22,000 00 

5,000 00 

60,000 00 

5,500 00 
50,000 00 

100,000 00 



200,000 00 

17,000 00 
4,000 00 

j> 30,000 00 
1,450 00 

> 200,000 00 

98,601 39 

2,800 00 

50,000 00 

16,500 00 

100,000 00 

1,750 00 
49,455 55 
98,912 50 



630 00 ! 



1,300 00 j 
4,810 00 J 
109,000 00 



)> 7,700 00 



99,262 50 



174 PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 



Electric & People's Trac. Co. trust certs., 
Philadelphia & Reading Railroad Co. bonds, 
3,500 shares United Gas Improvement Co., 

100 " Tradesmen's National Bank, 

100 " Metropolitan Traction Co., . 
Schuj'lkill Traction Co. bonds, 
1,000 shares Union Traction Co., 

600 " Consolidated Traction Co., . 

100 " United Gas Improvement Co , 

150 " Philadelphia Traction Co. stock, 
Schuylkill Traction Co. bonds, 
Citizens' Street Railroad Co. bonds, 
Southern Railway Co. bonds, . 
1,710 shares United Gas Improvement Co., 

100 " Philadelphia Traction Co., . 

100 " Choc, Oklahoma & Gulf R.R. Co., 
Electric & People's Traction Co. trust certs., . 
Lex. Ave. & Pavonia Ferry R.R. Co. bonds, . 



Market Value. 

$26,400 00 ) 
2,540 00 S 

276,500 00 ^ 
9,400 00 
9,800 00 
2,550 00 J 
11,000 00^ 
16,200 00 
7,900 00 
9,750 00 
5,100 00 
8,900 00 
4,600 00 J 

135,090 00. 
6,500 00 
1,300 00 }> 
1,907 40 I 
3,360 00 -' 



Amount Loaned. 

25,000 00 
j> 260,000 00 



50,000 00 



130,000 00 



$2,448,877 40 
Schedule B. 
Slocks and Bonds owned by the Company. 

Cost Value. 

Penn. & N. Y. Canal and Railroad Co. bonds, 
Atlantic City Railroad bonds, .... 
Lehigh Valley Railroad bonds, 
Richmond & Danville Railroad bonds, . 
Philadelphia & Erie Railroad bonds, 
Verdigris Valley, Ind. & Western R.R. bonds, 
Western New York & Penn. Railroad bonds, 

300 shares Central National Bank of Phil., 
1,000 shares The United Gas Improve. Co., 
Central of Georgia Railway Company bonds, 
Central Trust Co. of New York certificates, 
Allentown Gas Co. first morgage bonds, 
Atlantic City R.R. bonds, . 
City of Baltimore loan, 
Baltimore & Ohio R.R. bonds, . 
City of Boston bonds, 
Catasauqua & Fogelsville R.R. bonds, 
Central of Georgia R.R. bonds, 
City of Chicago bonds, 
City of Chicago bonds, 
Chicago & Erie R.R. bonds, 
Chicago, Milwaukee & St. Paul Railway, 
Chicago, Rock Island & Pacific R.R. bonds, 
City of Cincinnati bonds, .... 
County of Cook, 111., bonds, . 
Easton & Amboy R R. bonds, . . 



,000 00 

103,000 00 

63,250 00 

116,400 00 

55,225 00 

42,500 00 

67,580 00 

108,000 00 

80,000 00 

235,000 00 

83,045 00 

49,500 00 

65,000 00 

285,450 00 

150,000 00 

231,750 00 

36,000 00 

227,500 00 

200,000 00 

1,407 38 

364,000 00 

55,000 00 

325,133 75 

51,000 00 

200,000 00 

20,000 00 



$1,980,128 46 



Market Value. 

$46,000 00 

103,000 00 
63,250 00 

116,400 00 
55,225 00 
42,500 00 
67,580 00 

108,000 00 
80,000 00 

235,000 00 
83,045 00 
52,250 00 
66,950 00 

288,000 00 

163,500 00 

230,000 00 
36,000 00 

235,000 00 

206,000 00 
1,407 38 

374,500 00 
58,300 00 

332,800 00 
51,000 00 

200,000 00 
21,600 00 



TROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 175 



Erie Railroad bonds, 

City of Frankfort, Ky., bonds, . 

Grand Rapids & Indiana R.R. bonds, 

Co. of Hennepin, Minn., c. h. and city hall b'ds 

City of Jersey City bonds, 

Kentucky & Indiana Bridge Co. bonds, . 

Lehigh Coal and Navigation Co. bonds, . 

Lehigh Valley Railroad bonds, 

Lehigh & Wilkesbarre Coal Company bonds, 

City of Louisville, Ky., bonds, . 

Lynchburg, Va., bonds, . 

Mercer County, Ky., bonds, 

City of Milwaukee bonds, 

Missouri Pacific Railroad bonds, 

N. Y., Lake Erie & Western Railroad bonds, 

Northern Central Railway bonds, 

N. Y , Lake E. & W. Dock and Imp. Co. bonds, 

Northern Pacific Railroad Co. bonds, 

North Penn. Railroad Company bonds, . 

Penn. Railroad Company bonds, 

Pennsylvania & N. Y. Canal and R.R. loan, 

Phila. & Baltimore Central Railroad bonds, 

Phila & Erie Railroad Company bonds, 

Philadelphia & Reading Railroad bonds, 

3,000 shares Philadelphia Traction Co., 

Port Reading Railroad Company bonds, 

Port of Portland, Ore., bonds, 

City of Quincy, 111., bonds, 

City of Richmond, Va., bonds, 

Salt Lake City bonds, 

City of St. Louis, Mo., bonds, 

Texas & Pacific Railway Co. bonds, 

City of Trenton bonds, . . I 

Township of Upper Darby, Del. Co., Pa , Vds, 

Verdigris Val. Ind. & Western Railroad bonds, 

Virginia State Century bonds, . 

West Philadelphia Pass. Railway Co. bonds, 

Western Penn. Railroad Company bonds, 

Wilkesbarre & Scranton Railway Co. bonds, 

Belt Railroad & Stock Yard bonds, . 

City of Cincinnati bonds, .... 

The Delaware River Ferry Co. of N. J. bonds 

Northern Pac. R.R. and land grant bonds, 

Penn. & N. Y. Canal and Railroad Co. bonds, 

Penn. Railroad Company bonds, 

Phila., Wil. & Baltimore Railroad Co. certs., 

Wabash Railroad Company bonds, . 

Philadelphia City bonds, .... 



Cost Value. 

f240,000 00 

100,000 00 

96,000 00 

212,000 00 

105,250 00 

61,600 00 

607,000 00 

725,500 00 

3,000 00 

250,000 00 

50,000 00 

100,000 00 

219,678 90 

89,000 00 

50,000 00 

209,000 00 

206,000 00 

414,050 00 

271,000 00 

265,000 00 

259,950 00 

110,000 00 

260,000 00 

711,233 75 

225,675 00 

200,000 00 

52,920 00 

100,000 00 

125,000 00 

75,000 00 

88,000 00 

129,760 00 

72,200 00 

127,000 00 

49,500 00 

59,150 00 

50,000 00 

151,000 00 

105,000 00 

30,000 00 

3,000 00 

19,110 00 

97,045 00 

49,910 00 

124,000 00 

3,000 00 

44,800 00 

110,000 00 



Market Value. 

1245,000 00 

100,000 00 

16,500 00 

208,000 00 

103,000 00 

62,080 00 

614,300 00 

829,250 00 

3,000 00 

262,500 00 

50,000 00 

70,000 00 

226,600 00 

86,330 00 

50,500 00 

229,900 00 

206,850 00 

277,975 00 

306,230 00 

311,700 00 

239,200 00 

118,800 00 

271,700 00 

606,130 00 

195,000 00 

182,000 00 

51,450 00 

100,000 00 

135,000 00 

78,000 00 

95,040 00 

133,570 00 

72,200 00 

127,000 00 

42,500 00 

60,000 00 

57,000 00 

153,000 00 

105,000 00 

30,300 00 

3,060 00 

21,000 00 

45,500 00 

50,600 00 

130,200 00 

3,060 00 

45,440 00 

110,000 00 



$10,968,073 78 $10,838,772 38 



176 PKOVIDENT SAVINGS LITE ASSURANCE SOCIETY OF N. Y. 

"PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY OF NEW 
YORK," NEW YORK, N. Y. 

[Incorporated Feb. 25, 1875. Commenced business Aug. 10, 1875.] 

Paid-up Capital, $100,000. 

Charles E. Willard, President. William E. Stevens, Secretary. 



Income. 

Received for premiums on new policies, . 
Received for renewal premiums, 
Dividends applied to pay running premiums, 
Surrender values applied to purchase paid-up 
annuities, 



Total, 

Deduct amount paid for reinsurance, 

Total premium income, 
Received for interest, .... 
Received for rents of company's property, 



Total income, 
Net or ledger assets Dec. 31, 1894, . 



Total, 



Disbursements 



insurance and 



$451,266 47 

1,491,472 30 

223,926 72 

3,021 29 



52,169,686 78 
11,673 44 



1,158,013 34 
61,771 67 
27,074 72 



^2,246,859 73 
1,636,914 83 



Paid for losses, . 

Paid for matured endowments, 



Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 

Paid to annuitants, 

Cash dividends paid policy-holders, 
Dividends applied to pay running premiums, . 
Surrender values paid in cash, .... 
Surrender values applied to purchase paid-up insurance 
annuities, 



and 



Total paid policy-holders, 

Cash paid for dividends to stockholders, . 

for commissions and bonuses to agents, new poll 

cies, $232,739 28 ; renewals, $82,950.40, 
for salaries and allowances to managers and agents 
for medical examiner's fees and inspections, 
for salaries of officers and home office employees, 



1,883,774 56 



[,235,522 99 
268 75 



.,235,791 74 
15,000 00 



$1,220,791 74 

1,581 40 

36,759 78 

223,926 72 

5,331 22 

3,021 29 



1,491,412 15 
6,977 60 

315,689 68 
17,777 75 
34,896 19 
94,973 91 



PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY OF N. Y. 177 



Cash paid for taxes on new premiums, $4,945 09 ; on renew- 
als, $16,348.41, . 

for taxes on real estate, . 

for fees, licenses, etc., 

for rent, .... 

for commuting commissions, 

for advertising, printing and postage, 

for legal expenses, .... 

for furniture and office fixtures, 

.for real estate expenses (except taxes), 

for loss on sales of property, . 

for incidentals, 

Profit and loss, 



Total disbursements, . 



Balance, .... 

Invested in the following : — 

Assets as per Ledger Accounts 
Cost of real estate, 

Loans on mortgage of real estate (first liens), 

Loans on company's policies assigned as collateral, 

Book value of stocks and bonds owned (schedule A), 

Cash in company's office and in transit (since received) 

Cash deposited in bank, . 

Bills receivable, 

Agents' debit balances, 

Loans to agents, 



Total, 

Deduct agents' credit balances, 

Total net or ledger assets, as per balance, 

Other Assets. 
Interest due and accrued, 

Rents due and accrued, 

Market value of real estate over cost, 

Market value of stocks and bonds over book, . 

New Business. 

Uncollected premiums on poli- 
cies in force, .... $41,314 28 

Deferred premiums on policies 
in force, 60,051 87 



$21,293 50 

2,817 21 

7,520 83 

22,704 79 

1,750 00 

39,241 55 

20,509 88 

3,344 57 

9,807 09 

13,508 08 

24,380 42 

18,606 49 



$2,147,211 69 



$1,736,562 87 



$241,384 28 

224,400 00 

20,300 41 

967,833 52 

12,709 24 

128,068 53 

393 84 

66,776 10 

75,000 00 

$1,736,865 92 
303 05 

$1,736,562 87 

18,823 50 
7,109 50 

15,000 00 
3,076 12 



Renewals. 

$53,902 40 
156,937 14 



Total 

Deduct loading, 

Net amount of uncollected and 
deferred premiums, 



$101,366 15 
30,656 61 



$210,839 54 
66,585 59 



$70,709 54 $144,253 95 



Total assets, per company's books, . 



214,963 49 
$1,995,535 48 



178 PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY OF N. Y. 



Items not admitted and Depreciation. 



Agents 1 debit balances, 
Loans to agents, 
Bills receivable, 

Depreciation from cost of assets, 
Total 



Total admitted assets, 
Deduct special deposits in other States, . 



Balance, 



,776 10 
75,000 00 

393 84 
14,179 98 



$156,349 92 



. $1,839,185 56 
69,370 00 



$1,769,815 56 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent), . . . . $959,124 00 
Deduct net value of reinsured risks, ..... 5,277 00 



Net reserve, ..... 
Death losses in process of adjustment, 
Claims resisted by the company, 

Total policy claims, .... 
Premiums paid in advance, . . 
Due for taxes, fees, salaries, expenses, etc., 
Contingent surrender value, . 

Liabilities as to policy-holders, 
Deduct liabilities on special deposits, 



Surplus as regards policy-holders, 
Paid-up capital, 
Surplus over capital, 



$13$,500 00 
54,286 00 



$953,847 00 



192,786 00 

5,986 24 

23,434 17 

382 67 



. $1,176,436 08 
65,352 00 



$658,731 48 



Gross liabilities, 



$1,111,084 08 

100,000 00 
558,731 48 

$1,769,815 56 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1894. 

Total No. Total Amount. 

25,655 $84,025,038 00 



Whole life, 
Endowment, 
All other, 


Number. 

781 

584 

. 24,290 


Amount. 

$1,696,135 00 

898,584 00 

81,430,319 00 




Policies issued during the Fee 


Whole life, 
Endowment, 
All other, . 


. 1,048 

184 

. 6,497 


$2,539,558 00 

267,150 00 

19,921,281 00 



7,729 22,727,989 00 



PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY OF N. Y. 179 



Old Policies revived. 





Number. Amount. 


Total No. 


Total Amount. 


Whole life, 


8 $23,500 00 






Endowment, 


7 7,000 00 






All other, . 


103 382,000 00 










118 


$412,500 00 




Old Policies increased. 




Whole life, 


1 $7,640 00 






All other, . 


19 43,049 00 










20 


50,689 00 








33,522 $107,216,216 00 




Policies terminated during the Year. 




Whole life, 


393 $971,020 00 






Endowment, 


130 162,600 00 






All other, . 


. 7,295 24,267,675 00 







7,818 $25,401,295 00 



How terminated. 



By death, . 


341 


$1,258,723 00 


maturity, 


1 


250 00 


expiry,. 


5,229 


16,314,685 00 


surrender, . 


998 


4,269,850 00 


lapse, . 


300 


634,700 00 


change and decrease, . 


18 


328,892 00 


Not taken, . . 


931 


2,594,195 00 



7,818 25,401,295 00 



W'hole life, 
Endowment, 
All other, . 



Policies in Force Dec. 31, 1895. 



1,445 
645 

23,614 



$3,295,813 00 
1,010,134 00 

77,508,974 00 



25,704 $81,814,921 00 



Schedule A. 
Stocks and Bonds owned by the Company. 

Book Value. Market Value. 

80 shares Ann Arbor Railroad, . . . $6,166 66 $2,400 00 

300 " Chicago, Mil. & St. Paul R.R., . 37,062 50 38,100 00 

200 " Chicago & N. Western Railroad, . . 19,600 00 19,900 00 

25 " Citizens' Nat. B'k, Englewood, N J., 2,500 00 4,250 00 

200 " Lake Erie & Western Railroad, . 16,975 00 14,800 00 



180 PROVIDENT SAYINGS LIFE ASSURANCE SOCIETY OF N. Y. 



300 shares Lake Shore & M. S. Railway, 
20 " Macon, Ga., Savings Bank, . 
50 " Provident National B'k, Waco, Tex. 
55 " Washington Trust Co., New York 

United States bonds, 

American Cotton Oil debenture bonds, . 
Ann Arbor Railroad bonds, 
Atchison, Jewell Co. & Western R.R. bonds, 
Burlington, C. R. & N. Railroad bonds, , 
Central Railroad & Bridge Co. bonds, 
Chicago, Burlington & Quincy Railroad b'ds, 
Chicago, Rock Island & Pacific Railway bonds 
Chicago & Erie Railroad bonds, 
Chicago & Western Ind. Railroad bonds, 
Cincinnati, Sand. & Cleveland Railroad bonds 
Cleveland, Cincinnati, Ch. & St L. R'y bonds 
Duluth, South Sh. & Atlantic Railroad bonds, 
East Tennessee, Va. & Ga. Railroad bonds, 
Englewood, N. J., school bonds, 
Fremont, Elkhorn & M. V. Railroad bonds, 
General Electric bonds, 
Indiana, Illinois & Iowa Railroad bonds, 
Iowa Central Railroad bonds, . 
Kanawha & Michigan Railroad bonds, 
Lake Erie & Western Railroad bonds, 
Lehigh & Hudson River Railroad bonds, 
Minneapolis & St. Louis Railroad bonds, 
Montreal City bonds, .... 
Nashville, Chat. & St Louis Railroad bonds, 
New York, Chicago & St Louis Railroad b'ds 
Northern Ohio Railway bonds, 
Northwestern Telegraph Co. bonds, 
Oregon Improvement Company bonds, . 
Pittsburgh & Western Railroad bonds, . 
Quebec government bonds, 
Richmond City, Va., bonds, 
St. Louis, Iron M. & So. Railway bonds, . 
San Antonio & Aransas Pass Railway bonds, 
Southern Railway Company bonds, . . 
Texas & Pacific Railroad bonds, 
Toledo & Ohio Central Railroad bonds, . 
Wabash Railroad bonds, . . . 
Western Gas Company, New York, bonds, 



Book Value. 

$44,900 00 

1,980 00 

5,000 00 

10,161 25 

119,983 44 

11,112 50 

12,333 34 

15,241 55 

29.250 00 
9,950 00 

10,137 50 

5,162 50 
15,056 25 
23,550 00 

5,075 00 
18,145 00 
19,425 00 
19,170 00 

8,254 64 
38,287 50 
12,615 00 
15,775 00 

8,975 00 
15,012 50 
32,081 25 
19,825 00 
29,475 00 
43,357 50 
11,200 00 

9,162 50 
30,900 00 
15,900 00 

10.251 25 
25,137 50 
14,565 30 
10,100 00 
20,425 00 
19,720 00 
26,587 50 
35,203 59 

7,760 00 
30,556 25 
18,768 75 



Market Value. 

$44,700 00 

2,000 00 

5,500 00 

10,450 00 

119,840 00 

11,150 00 

11,680 00 

6,400 00 
30,300 00 

9,950 00 
10,350 00 

5,300 00 
16,500 00 
23,900 00 

5,525 00 
18,800 00 
20,000 00 
21,400 00 

8,254 64 
38,175 00 
11,040 00 
17,000 00 

9,500 00 
16,400 00 
32,500 00 
20,000 00 
30,075 00 
44,690 00 
11,100 00 
10,250 00 
31,050 00 
16,500 00 

9,600 00 
24,600 00 
14,580 00 
10,100 00 
20,500 00 
18,300 00 
28,500 00 
35,600 00 

8,800 00 
31,800 00 
18,800 00 



$967,833 52 $970,909 64 



THE PRUDENTIAL INSURANCE COMPANY OF AMERICA. 181 



"THE PRUDENTIAL INSURANCE COMPANY OF AMERICA," 

NEWARK, N. J. 

[Incorporated 1873. Commenced business 1876.] 

Paid-up Capital, $2,000,000. 

John F. Dryden, President. Forrest F. Dryden, Secretary. 

Income. 

Received for premiums on new policies, $ 1,840, 113 65 

Received for renewal premiums, 10,011,573 25 

Dividends applied to pay running premiums, .... 903 77 

Dividends applied to purchase paid-up additions and annuities, 1,377 35 

Surrender values applied to pay running premiums, . . 513 09 

Surrender values applied to purchase paid-up insurance and 

annuities, 35,449 88 

Received for annuities, 6,659 90 

Total, $11,896,590 89 

Deduct amount paid for reinsurance, 4,311 37 

Total premium income, $11,892,279 52 

Received for interest, 537,361 65 

Received for rents of company's property, .... 141,982 18 

Premium notes or loans restored, 487 11 

Profit on securities sold, 13,427 97 

Total income, $12,585,538 43 

Net or ledger assets Dec. 31, 1894, 12,582,852 88 

Total, $25,168,391 31 



Disbursements. 

Paid for losses and additions, ..... 
Paid on matured instalment policies, 

Gross amount paid for losses and endowments, 

Paid to annuitants, 

Premium notes voided by lapse, . . 

Loans or liens voided by lapse, . . ... 

Cash dividends paid policy-holders, 

applied to pay running premiums, 
applied to purchase paid-up additions 

annuities, 

Surrender values paid in cash, .... 
applied to pay running premiums, 
applied to purchase paid-up insurance 
annuities, 

Total paid policy-holders, ..... 



and 



and 



$3,846,653 71 


100 


00 


$3,846,753 


71 


2,182 


65 


1,598 


44 


10,139 


19 


10,655 


98 


903 


77 


1,377 


35 


5,917 


03 


513 09 


35,449 


88 


$3,915,491 


09 



182 THE PRUDENTIAL INSURANCE COMPANY OF AMERICA. 



Cash paid for dividends to stockholders, 

for commissions and bonuses to agents, new poll 

cies, $1,327,542.35 ; renewals, $1,387,238.76, 
for salaries and allowances to managers and agents 
for medical examiner's fees and inspections, . 
for salaries of officers and home office employees 
for taxes on premiums, 
for taxes on surplus, 
for taxes on real estate, 
for fees, licenses, etc., 
for rent, . 

for commuting commissions, 
for advertising, printing and postage, 
for legal expenses, .... 
for furniture and office fixtures, 
for real estate expenses (except taxes), 
for incidentals, .... 

Total disbursements, ..... 

Balance 



$200,000 00 

2,714,781 11 

1,616,316 64 

246,073 23 

497,214 93 

127,614 49 

29,158 71 

27,636 20 

11,007 25 

77,379 99 

6,419 82 

213,078 24 

28,690 57 

21,718 73 

74,807 49 

37,515 63 

$,844,904 12 

$15,323,487 19 



Invested in the following: — 



Assets as per Ledger Accounts 



Cost of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on company's policies assigned as collateral 
Premium notes or loans on policies in force, . 
Cost value of bonds owned (schedule A), 

Cash in company's office, 

Cash deposited in bank, 

Ledger assets, as per balance, . 



$2,640,562 16 

7,166,767 08 

46,926 22 

10,987 55 

4,652,164 85 

10,271 87 

795,807 46 

$15,323,487 19 



Oth kr Assets. 

Interest due and accrued, 165,554 75 

Rents due and accrued, . .' 12,584 17 

Uncollected premiums on policies in force, . $104,964 33 
Deferred premiums on policies in force, . 373,703 72 

Total, . $478,668 05 

Deduct loading, 105,491 49 

Net am't of uncollected and deferred prem's, . 373,176 56 

Furniture and fixtures, * 130,164 63 

Stationery and supplies, 7,754 04 

Law library, 13,884 53 

Total assets, per company's books, .... $16,026,605 87 



THE PRUDENTIAL INSURANCE COMPANY OF AMERICA. 183 



Items not admitted and Depreciation. 



Office furniture, etc., . . 
Law library, .... 
Agency supplies, stationery, etc., 
Depreciation from cost of bonds, 
Total, 



$130,164 63 

13,884 53 

7,754 04 

7,750 50 



$159,553 70 



Total admitted assets, 



$15,867,052 17 



Liabilities. 



Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), 
Deduct net value of reinsured risks, 



Net reserve, .... 
Present value of unpaid instalments, 
Death losses in process of adjustment, 
Claims resisted by the company, 

Total policy claims, . 
Unpaid dividends of surplus due policy-holders, 
Premiums paid in advance, 
Due for medical fees, etc., 
Contingent surrender value, . . 



Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, 

Gross liabilities, 



$12,330,889 00 
5,354 00 

$12,325,535 00 
549 00 



$21,657 34 
34,452 90 



56,110 24 
211 00 

3,362 52 
71,056 50 

6,616 00 



. $3,403,611 91 



$12,463,440 26 

. 2,000,000 00 

. 1,403,611 91 

$15,867,052 17 



Premium Note Account. 



Premium notes on hand Dec. 31, 1894, . 

rec'd during 1895 (old pol's), 
restored by revival of policies 
Total, 

Used in payment of losses and claims, . 

Used in purchase of surrendered policies, 

Voided by lapse, 

Used in payment of dividends to policy-holders 

Redeemed by maker in cash, . 
Total,. . . 

Balance note assets Dec. 31, 1895, . 





$7,189 91 






7,656 41 




, 


487 11 


$15,333 43 








$48 76 






927 06 






1,598 44 




;, 


830 32 






941 30 






• • • 


4,345 88 


i 


$10,987 55 



184 THE PRUDENTIAL INSURANCE COMPANY OF AMERICA. 



Exhibit of Policies. 



Policies and Additions in Force Dec. 31, 1894. 

Total No. Total Amount. 





Number. 


Amount. 


Whole life, 


. 15,290 


$17,709,392 00 


Endowment, 


. 2,281 


2,386,535 00 


All other, . 


181 


398,289 00 


Reversionary additions, 


- 


10,511 00 



17,752 $20,504,727 00 



Policies issued during the Year. 



Whole life, 
Endowment, 
All other, . 


• 


. 20,519 $22,277,420 00 

. 2,338 2,330,751 00 

172 472,000 00 


23,029 


25,080,171 00 










Old Policies revived. 






Whole life, 
Endowment, 
All other, . 


• 


430 $499,500 00 

42 39,750 00 

2 3,700 00 


474 


542,950 00 










Old Policies increased. 






Whole life, 
Endowment, 
All other, . 


dividends, 


$55,292 00 

22,374 00 

3,000 00 


- 


80,666 00 
2,493 00 


Additions by 


• ••••• 




41,255 


$46,211,007 00 




Policies terminated during the Year. 




Whole life, 
Endowment, 
All other, . 


• • 


. 9,048 $10,094,177 00 

. 1,248 1,189,728 00 

66 211,047 00 









10,362 


$11,494,952 00 




How terminated. 


By death, . . 


165 


$237,912 00 


expiry, . 


15 


19,500 00 


surrender, . 


177 


225,822 00 


lapse, . 


8,467 


8,834,593 00 


change and decrease, 


- 


146,363 00 


Not taken, 


. 1,538 


2,030,762 00 



10,362 11,494,952 00 



THE PRUDENTIAL INSURANCE COMPANY OF AMERICA. 185 



30,893 f34,716,055 00 
2,330,741 $268,414,100 00 



Policies in Force Dec. 31, 1895. 

Whole life, . . . 27,191 $30,447,427 00 

Endowment, . . . 3,413 3,589,682 00 

All other, .... 289 666,424 00 

Reversionary additions, . - 12,522 00 

Industrial policies in force, 

Schedule A. 
Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

United States bonds, $119,500 00 $109,000 00 

Louisiana & Missouri River Railway bonds, . 91,491 15 87,295 00 

Detroit, Monroe & Toledo Railway bonds, . 74,203 75 72,570 00 

St. Louis & Iron Mountain Railway bonds, . 90,800 00 90,000 00 

Ind., Cinn. & Lafeyette Railway bonds, . . 5,375 00 5,150 00 

Milwaukee & St. Paul Railway bonds, . . 112,291 80 108,630 00 

Jackson, Lansing & Saginaw Railway bonds, . 76,122 50 76,500 00 

Chicago & St Louis Railway bonds, . . 123,465 00 127,650 00 

Michigan Central Railway bonds, . . . 45,762 50 46,400 00 

Milwaukee & Madison Railway bonds, . . 122,105 00 121,000 00 

Kan. City & Independence Air Line R'y b'ds, . 39,840 00 40,800 00 

Lake Shore Railway bonds, .... 120,54970 115,02000 

Chicago & Northwestern Railway bonds, . 50,000 00 50,500 00 

Louisville & Nashville Railway bonds, . . 198,309 00 187,502 50 

Buffalo & Erie Railway bonds, . . . 22,024 60 21,075 00 

Syracuse, Binghamton & N. Y. R'y bonds, . 5,950 00 6,175 00 

Baltimore & Potomac Railway bonds, . . 31,805 00 30,810 00 

Fremont, Elkhorn & Missouri Val. R'y bonds, 31,216 95 32,000 00 

Chicago, St. Louis & Pittsburgh Railway b'ds, 97,825 00 97,750 00 

Chicago, Burlington & Quincy Railway bonds, 100,580 00 99,960 00 

Cleve., Columbus, Cinn & Ind. R'y bonds, . 184,853 70 172,780 00 

Winona & St. Peter Railway bonds, . . 94,835 00 93,000 00 

Chicago, St. Louis & New Orleans R'y b'ds, . 214,128 40 204,930 00 

St. Paul, Minn. & Manitoba Railway bonds, . 73,485 00 73,470 00 

Long Island Railway bonds, .... 8,136 00 7,875 00 

Cedar Rapids & Missouri River R.R. bonds, . 64,437 50 62,500 00 

Chicago Burlington & Quincy Railway bonds, 160,500 00 145,000 00 

Chicago & Milwaukee Railway bonds, . . 55,906 00 53,000 00 

Columbus & Indianapolis Central R'y bonds, . 80,596 25 79,227 50 

Kalamazoo, Allegan & Gr. Rapids R.R. bonds, 26,125 00 27,375 00 

St. Louis, Vandalia & Terre Haute R'y bonds, 61,562 25 59,377 50 

Louisv'e & Frank, and Lex. & Frank. R'y b'ds, 109,112 50 105,703 75 

West Shore Railway bonds, .... 63,000 00 62,850 00 

Ottawa, Oswego & Fox River Railway bonds, 25,750 30 25,080 00 

Bellefontaine & Indiana Railway bonds, . . 5,406 90 5,197 50 

Rapid Transit Street Railway of Newark b'ds, 308,870 00 329,260 00 

Newark & South Orange Railway bonds, . 312,000 00 312,000 00 

Bridgeport Traction Co. bonds, . . . 325,000 00 353,500 00 



186 



THE TRAVELERS INSURANCE COMPANY. 



Plainfield Street Railway bonds, 

City of Newark (N. J.) bonds, 

City of Orange (N. J.) bonds, . 

City of Atlantic City (N. J.) water bonds, 

City of Jersey City (N. J.) assessment bonds 

Township of E. Orange (N. J ) improv. bonds, 



Cost Value. 

$7,200 00 
462,600 00 
107,000 00 
281,562 50 

53,625 00 
7,255 60 



Market Value. 

$7,200 00 
471,600 00 
121,820 00 
285,000 00 

53,625 00 
7,255 60 



1,652,164 85 $4,644,414 35 



« THE TRAVELERS INSURANCE COMPANY," HARTFORD, CONN. 

[life department] 

[Incorporated June 17, 1863. Commenced business July 1, 1866.] 

James G. Battekson, President. Rodney Dennis, Secretary. 

Income. 



Received for premiums on new policies, 
Received for renewal premiums, 
Surrender values applied to pay running 
Received for annuities, 



Total 

Deduct amount paid for reinsurance, 

Total premium income, 
Received for interest, 

for rents of company's property 
for reinsurance, 
Profit on securities sold, . 
Profit and loss account, 



Total income, 
Net or ledger assets Dec. 31, 1894, 



Total, 



premiums 



Disbursements. 

Paid for losses, 

for matured endowments, .... 
on matured instalment policies, 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 

Paid to annuitants, . 

Surrender values paid in cash, 

Surrender values applied to pay running premiums, 

Total paid policy-holders, 



$408,097 06 

1,947,708 92 

7,816 25 

25,560 41 



$2,389,182 64 
105,523 35 

$2,283,659 29 

661,854 24 

65,908 64 

8,232 35 

8,850 43 

363 73 

$3,028,868 68 
15,068,536 24 



$18,097,404 92 



$589,420 04 

116,755 00 

66,233 01 



$772,408 05 
53,000 00 

$719,408 05 

9,147 05 

273,745 68 

7,816 25 

$1,010,117 03 



THE TRAVELERS INSURANCE COMPANY. 



187 



Cash paid for dividends to stockholders, .... 

for commissions and bonuses to agents, new poli 

cies, $ 179,324.84; renewals, $95,215.05, 
for salaries and allowances to managers and agents 
for medical examiner's fees, .... 
for salaries of officers and home office employees, 
for taxes on new premiums, $3,873.34 ; on re 

newals, $17,682.33, 
for taxes on reserves, 
for taxes on real estate, 
for fees, licenses, etc., 
for rent, . 

for advertising, printing and postage, 
for legal expenses, .... 
for furniture and office fixtures, 
for real estate expenses (except taxes), 
for loss on sales of property, . 
for incidentals, .... 



Total disbursements, 



Balance, 
Invested in the following : — 

Assets as per Ledger Accounts 

Cost of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Bills receivable, 

Agents' debit balances, 

Suspense account, 



Ledger assets, as per balance, . 

Other Assets. 



Interest due and accrued, 



$100,000 00 

274,539 89 
47,416 29 
20,187 70 
62,610 86 

21,555 67 

3,047 38 

23,818 03 

4,209 57 

17,156 77 

33,080 55 

5,107 75 

5,546 85 

85,166 53 

62,353 57 

27,288 40 



$1,803,202 84 
$16,294,202 08 



$2,126,038 53 

5,030,290 17 

668,563 11 

758,419 31 

6,545,626 46 

4,655 75 

1,119,940 05 

22,107 15 

14,482 34 

4,079 21 

$16,294,202 08 

161,377 36 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, 

Total 

Deduct loading (20 per cent.), . 

Net amount of uncollected and 
deferred premiums, 



New Business. 



,244 98 

60,891 49 

$151,136 47 
30,227 29 



Renewals. 

$227,480 68 

258,749 05 

$486,229 73 
97,245 95 



$120,909 18 $388,983 78 



Total assets, per company's books, . 



509,892 96 
$16,965,472 40 



188 



THE TRAVELERS INSURANCE COMPANY. 



Items not admitted and Depreciation. 



Agents' debit balances, .... 
Suspense account, ..... 
Bills receivable, 

Depreciation from cost of real estate, 
Depreciation from cost of stocks and bonds, 
Total, 



Total admitted assets, 
Deduct special deposits in other States, 



Balance, 



$14,482 34 

4,079 21 

22,107 15 

400,319 88 

318,918 89 



- $759,907 47 

$16,205,564 93 
901,228 90 

$15,304,336 03 



Liabilities. 

Computed premium reserve or net present v 

standing policies (actuaries' 4 per cent.), 
Deduct net value of reinsured risks, 



ilue of all out- 



Net reserve, .... 
Present value of unpaid instalments, 
Reserve for indemnity contracts, 
Matured endowments due and unpaid, 
Death losses in process of adjustment, 
Claims resisted by the company, 

Total policy claims, . 
Premiums paid in advance, 

Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 



Surplus as regards policy-holders, . 
Gross liabilities, , 



$14,663,080 00 
261,697 00 

$14,401,383 00 

330,890 00 

5,000 00 



$4,967 00 
55,034 01 
37,537 60 



97,538 61 
14,977 62 

$14,849,789 23 
901,228 90 

$13,948,560 33 
. 1,355,775 70 

$15,304,336 03 



Exhibit of Policies. 
Policies and Additions in Force Dec. 32, 1894. 





Number. 


Amount. Total No. 


Total Amount. 


Whole life, 


. 20,414 


$56,950,278 00 




Endowment, 


. 8,284 


20,695,628 00 




All other, . 


. 2,204 


6,718,624 00 








30,902 


$84,364,530 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

. 3,555 $11,434,158 00 

. 1,072 2,930,068 00 

236 729,846 00 



4,863 15,094,072 00 



THE TRAVELERS INSURANCE COMPANY. 



189 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

Number. Amount. Total No. Total Amount. 

22 $69,740 00 
11 105,500 00 
3 97,500 00 
36 $272,740 00 



Whole life, 
Endowment, 
All other, . 



Old Policies transferred and increased. 

55 $192,720 00 

36 140,375 00 

538 1,586,500 00 



629 



1,919,595 00 



Total 36,430 $101,650,937 00 



Policies terminated during the Tear. 

Whole life, . . . 2,565 $9,427,210 00 

Endowment, . . . 1,117 3,017,442 00 

All other, .... 498 1,851,127 00 







4,180 


$14,295,779 00 






How terminated. 


By death, . 


i t 


357 


$1,240,968 00 


maturity, 


• 


83 


120,455 00 


expiry, . 


. 


167 


493,833 00 


surrender, . 


. 


487 


1,245,495 00 


lapse, . 


. 


1,429 


5,111,009 00 


change and decrease, . 


867 


3,161,236 00 


Not taken, 


Policies 


790 


2,9.22,783 00 




? in Force Dec. 31, 18 


Whole life, 


, , 


21,481 


$59,219,686 00 


Endowment, 


. . 


8,286 


20,851,129 00 


All other, . 


• 


2,483 


7,281,343 00 



4,180 14,295,779 00 



32,250 $87,355,158 00 



Schedule A. 
Securities held as Collateral. 

Market Value. Amount Loaned. 

$2,560 00 $900 00 



40 shares Hartford Carpet Company, 

Gal., Harrisburg & San Antonio R.R. bonds, . 58,880 00 

50 shares First National Bank, Alamosa, Col., . 6,250 00 

4 " Eagle Lock Co., Terryville, Conn., . 272 00 

4 « Southern New Eugland Tel. Co., , 600 00 

40 " Bank of Topeka, Topeka, Kan., , 5,200 00 



45,500 00 
5,000 00 

450 00 
3,950 00 



190 



THE TRAVELERS INSURANCE COMPANY. 



Assigned note secured by real estate, 
Sundry mortgages on real estate assig^ to co. 

30 shares Hartford Loan & Trust Co., . 

30 " Carbonate N'l B'k, Leadville, Col. 

25 " First National B'k, Durango, Col. 

15 " First Nat'l Bank, Alamosa, Col , 

50 " Broadway Invest. Co., Denver, Col. 

10 " Far. High Line Canal & Res. Co., 
720 " E N. Welch Manufacturing Co., 
821 " Bristol Brass & Clock Co., 
423 " Bristol Manufacturing Co., 
Mortgage on real estate, Bristol, Conn., 
Texas & New Orleans R.R. Co. bonds, 
South Pacific of Arizona R.R. Co. bonds, 
Galv., Harrisburg & San A. R.R. Co. bonds, 
South Pacific of California R.R. Co. bonds, 
Northern of California R.R. Co. bonds, . 
6 shares N. Y., New Haven & Hart. R.R. Co 
Parsons Light and Heat Co bonds, . 
Mortgage on real estate at Seattle, Wash., 
Southern Pacific R R. Co. of New Mexico b'ds 
Galv , Harrisburg & San A. R.R. Co. bonds, 
Northern Railway of California bonds, . 
Texas & New Orleans R.R. Co. bonds, . 
750 shares Third Ave. R.R. Co., N. Y. City, 
422 shares Denver Tramway Co , Denver, Col 
Warranty deed, Denver, Col., . 
Chicago, Milwaukee & St. Paul R.R. bonds, 
103 shares Hart. & Conn. Western R.R. Co., 
Mortgage on real estate, Brooklyn, N. Y., 
Trust deed, Pueblo, Col., assigned to co., 
Centralia & Chester R.R. Co. bonds, 



Schedule B. 

Stocks and Bonds owned by the 



Maine State bonds, .... 
Province of Manitoba, Canada, bonds, 
Province of Quebec, Canada, bonds, 
Clark County, Dak., bonds, 
Riley County, Kan , bonds, 
Mecklenburg County, N. C, bonds, 
Union County, S. C, bonds, 
Pendleton County, Ky., bonds, . 
De Kalb County, Ala., bonds, . 
Butler County, Neb , bonds, ,. 
Laramie County, Wyo., bonds,. 



Market Value. 

$300 00 
106,700 00 
3,000 00 
6,000 00 >. 
3,000 00 
1,875 00 } 
2,500 00 ' 
5,000 00 J 
18,000 00^ 
30,787 50 
15,862 50 
20,000 00 j 
23,500 00^ 
24,500 00 J 
27,600 O'O \ 
45,000 00 | 
13,650 00 J 
1,080 00 
50,000 00 
54,000 00 
52,500 00 ^ 
36,800 00 
22,750 00 j 
23,500 00 j 
139,125 00 
25,320 00 ) 
45,000 00 S 
24,970 00 ) 
2,060 00 ) 

600 00 

7,000 00 

29,600 00 



Amount Loaned. 

$250 00 

80,700 00 

850 00 



10,000 00 



i> 45,000 00 



100,000 00 

720 00 
40,000 00 
45,000 00 

y 100,000 oo 

100,000 00 
41,543 11 

21,000 00 

500 00 

5,000 00 

22,200 00 



$935,342 00 $668,563 11 



Company 

Cost Value. 

$91,725 00 

79,443 47 

47,449 83 

2,752 00 

48,000 00 
26,812 50 
66,875 00 
21,200 00 
25,000 00 
57,085 00 
50,000 00 



Market Value. 

$ 90,000 00 
84,689 73 
50,126 67 
3,000 00 
50,000 00 
26,812 50 
66,875 00 
21,200 00 
25,000 00 
50,470 00 
50,000 00 



THE TRAVELERS INSURANCE COMPANY. 



191 



Coconino County, Ariz., bonds, 
Tarrant County, Tex., bonds, . 
Bexar County, Tex., bonds, 
Sault Ste. Marie, Ont., town bonds, 
]'arkdale, Out , town bonds, 
Collingwood, Ont., town bonds, 
Almonte, Out., town bonds, 
Paris, Ont , town bonds, . 
Port Arthur, Ont., town bonds, 
Coaticook, Quebec, town bonds, 
Iberville, Quebec, town bonds, 
Vernon, Conn., town bonds, 
Whitesboro', Tex., town bonds, 
Cedartown, Ga., town bonds, . 
East Las Vegas, N. M., town bonds, 
Frankfort, Dak., township bonds, 
North, Ind , township bonds, . 
Lancaster, Kan , township bonds, 
Walnut, Kan., township bonds, 
Rock Creek, Kan., township bonds, 
Parker, Kan., township bonds, . 
Canton, Kan., township bonds, . 
Elk, Kan., township bonds, 
Crawford, Kan., township bonds, 
Blaine, Kan., township bonds, . 
Oswego, Kan., township bonds, 
Winnepeg, Man., city bonds, . 
Brandon, Man., city bonds, 
Minneapolis, Minn., city bonds, 
Winona, Minn., city bonds, 
Duluth, Minn., city bonds, 
Superior, Wis., city bonds, 
Colorado City, Col., city bonds, 
Canon City, Col , city bonds, . 
Pueblo, Col., city bonds, . 
Cheyenne, Wyo , city bonds, 
Johnson, Tenn., city bonds, 
Lexington, Ky., city bonds, 
Quitman, Ga., city bonds, . 
Waycross, Ga., city bonds, 
Farmersville, Tex., city bonds, 
St. Joseph, Tex., city bonds, 
Greensboro', N. C, city bonds, . 
Missoula, Mont., city bonds, 
Helena, Mont., city bonds, 
Butte, Mont., city bonds, . 
Boise City, Idaho, city bonds, . 
Salt Lake City, Utah, city bonds, 



Cofct Value. 

$15,000 00 
50,000 00 
52,500 00 
50,995 00 
11,765 00 

5,950 00 
11,031 33 

8,567 75 
43,000 00 

25.375 00 
10,325 00 

125,000 00 
10,000 00 
50,000 00 
10,200 00 

1,455 00 
35,000 00 
14,850 00 
18,000 00 
25,000 00 
24,500 00 
15,200 00 
13,125 00 
23,875 00 
13,200 00 
10,000 00 
79,470 00 
25,000 00 
93,100 00 
33,000 00 

5,688 78 
22,500 00 

5,000 00 
30,070 00 
22,736 25 
65,000 00 
46,500 00 
30,600 00 
20,000 00 
25,000 00 
14,000 00 

5,940 00 
17,680 00 
25,750 00 

75.376 30 
45,700 00 
30,000 00 
23,287 50 



Market Value. 

$15,000 00 
50,000 00 
52,500 00 
50,000 00 
12,100 00 

6,366 50 
11,742 00 

8,960 00 
43,430 00 
27,000 00 
10,300 00 
125,000 00 
10,000 00 
50,000 00 
10,200 00 

1,500 00 
35,000 00 
15,000 00 
18,000 00 
25,000 00 
25,000 00 
16,000 00 
15,000 00 
25,000 00 
16,000 00 
10,000 00 
79,750 00 
25,500 00 
93,100 00 
33,000 00 

5,688 78 
22,500 00 

5,000 00 
31,000 00 
22,736 25 
65,000 00 
37,500 00 
30,600 00 
20,000 00 
25,000 00 
14,000 00 

6,000 00 
17,680 00 
25,750 00 
75,374 00 
45,700 00 
30,000 00 
23,287 50 



192 



THE TRAVELERS INSURANCE COMPANY. 



Logan, Utah, city bonds, . 

Council Bluffs, Iowa, city bonds, 

Sioux City, Iowa, city bonds, . 

Indianapolis, Ind ,city bonds, . 

Falls City, Neb., city bonds, 

Tecumseh, Neb., city bonds, 

Edgar, Neb., city bonds, . 

Clyde City, Kan., city bonds, . 

Arkansas City, Kan., city bonds, 

Ottawa, Kan., city bonds, . 

Kansas City, Kan , city bonds, . 

Sherbrooke, Quebec, city bonds, 

Quebec, Quebec, city bonds, 

Hull, Quebec, city bonds, . 

St. Hyacinthe, Quebec, city bonds, 

Montreal, Quebec, city bonds, . 

St. Thomas, Ont, city bonds, . 

Toronto, Ont., city bonds, 

Guelph, Ont , city bonds, . 

Port Hope, Ont , city bonds, 

Brantford, Ont., city bonds, 

Stratford, Ont., city bonds, 

Vancouver, B. C, city bonds, . 

Victoria, B. C, city bonds, 

Lake Superior Elevator Co. bonds, 

Hunt Drainage Dist. bonds, 

Farmington River, Conn., Power Co bonds, 

Windsor Locks, Conn., Water Co. bonds, 

Brooklyn, N. Y., Wharf & Warehouse Co. b'ds 

Fort Smith & Van Buren Bridge Co. bonds, 

Western Union Telegraph Co. bonds, 

Grape Creek, 111., Coal Company bonds, . 

Denver Consolidated Electric Co. bonds, 

Allentown, Pa., Gas Co. bonds, 

Lake Shore & Michigan Southern R.R. Co. b'ds, 

Cincinnati, Ind., St. L. & Chic. R.R. Co. bonds, 

Mobile & Birmingham Railroad bonds, . 

Atlantic & Pacific Railroad bonds, . 

Southern Railroad bonds, .... 

St. Lous & San Francisco Railroad bonds, 

Duluth & Manitoba Railroad bonds, 

Keokuk & Des Moines Railroad bonds, . 

Chicago, Milwaukee & St. Paul R.R. bonds, 

Canadian Pacific Railroad bonds, 

Hereford, Ca., Railroad bonds, 

Stillwater & St. Paul Railroad bonds, 

Toledo, St. Louis & Kansas City R.R. bonds, 

Staten Island Rapid Transit Railroad bonds, 



Cost Value. 
$19,000 00 

9,850 00 
23,650 00 
55,950 91 
22,560 00 
20,895 00 
12,935 00 

4,375 00 
26,250 00 

8,160 00 
11,400 00 
30,750 00 
49,000 00 
10,200 00 
10,150 00 
54,585 73 
33,765 00 
50,000 00 
81,522 20 
60,600 00 
53,102 50 
11,182 50 
10,920 00 
13,250 00 
25,000 00 
25,143 10 
15,000 00 
38,000 00 
102,500 00 
50,400 00 
99,287 50 
27,550 00 
24,375 00 
48,500 00 

2,110 00 
94,000 00 
15,000 00 
43,000 00 
13,125 00 
100,500 00 
50,437 50 

4,950 00 
65,000 00 
49,000 00 
50,000 00 
32,690 00 
87,750 00 
29,000 00 



Market Value. 

$20,000 00 
9,500 00 
23,000 00 
55,324 79 
24,000 00 
21,000 00 
13,000 00 
5,000 00 
26,250 00 
8,160 00 
10,200 00 
32,400 00 
50,500 00 
10,100 00 
10,350 00 
59,150 00 
33,900 00 
50,500 00 
81,760 00 
61,200 00 
55,000 00 
11,287 50 
11,100 00 
13,875 00 
25,000 00 
25,143 10 
15,000 00 
40,000 00 

102,750 00 
48,000 00 

108,000 00 
7,250 00 
25,000 00 
50,000 00 
2,240 00 
97,000 00 
10,750 00 
22,500 00 
13,725 00 

105,000 00 
37,500 00 
10,500 00 
64,000 00 
53,750 00 
50,000 00 
30,520 00 
60,300 00 
28,125 00 



THE TRAVELERS INSURANCE COMPANY. 



193 



Seattle, Lake Shore & Eastern R.R. bonds, 
Lehigh Valley Terminal R.R. bonds, 
Kansas City & Pacific Railroad bonds, 
Kanawha & Michigan Railroad bonds, . 
Brooklyn, N. Y., Elevated Railroad bonds, 
Knoxville & Ohio Railroad bonds, . 
New Haven & Derby Railroad bonds, 
Eureka Springs Railroad bonds, 
Pittsburgh & Western Railroad bonds, . 
Rio Grande Junction Railroad bonds, 
Philadelphia & Reading Railroad bonds, 
Texas & Pacific Railroad bonds, 
Duluth, South Shore & Atlantic R.R. bonds, 
Chicago & Western Indiana Railroad bonds, 
Black Rocks & Salisbury Beach St. R R bonds 
Toledo, Ohio, Electric St Railroad bonds, 
Naumkeag, Salera, Mass , St. R R. bonds, 
Amsterdam, N.Y., Street Railway bonds, 
Kansas City, Mo , Cable Railroad bonds, . 
Hartford, Conn., Street Railway Co. bonds, 
Consolidated Light & Railway Co. bonds, 
Cceur d'Alene R'y & Navigation Co. bonds, 
St. Louis Merchants Bridge Term. R.R. bonds 
500 shares Del., Lackawanna & West. R.R. 
1,650 " N Y. Central & Hudson R, R.R. 
1,000 " Lake Shore & Mich. South'n R.R. 
600 " Rensselaer & Saratoga Railroad, 
1,000 " Missouri Pacific Railroad, . 
700 " Chicago, Rock Island & Pac. R.R 
500 " Central Pacific Railroad, 
100 " Boston & Albany Railroad, . 
2,000 " Chicago & Northwestern R.R , 
100 " New York & New England R.R. 
425 " Southern Railroad, 
75 " Mobile & Birmingham Railroad, 
300 " Manhattan Railway Company, 
600 " Nat'l Ex. Bank, Hartford, Conn , 
1,103 " Hartford N'l B'k, Hart., Conn., 
197 " First Nat. Bank, Hartford, Conn 
240 " Charter Oak N'l B'k, Hart., Conn 
266 " Thames Nat. B'k, Norwich, Conn 
300 " First Nat. B'k,Wallingford, Conn 
200 " First Nat. B'k, Middletown, Conn 
100 " Metro. Nat. B'k, New York, N.Y 
200 « Am. Ex. N'l B'k, New York, N.Y 
240 " Mer Ex. N'l B'k, New York, N.Y 
100 " Nassau N'l B'k, New York, N Y 
50 « N'l. Ger.-Am. B'k, St. Paul, Minn 



Cost Value. 

$47,500 00 

53,625 00 

18,590 00 

19,375 00 

28,645 00 

50,880 00 

98,282 50 

25,000 00 

44,860 00 

45,000 00 

8,000 00 

31,150 00 

4,825 00 

116,875 00 

2-2,500 00 

22,125 00 

47,500 00 

47,500 00 

13,000 00 

101,000 00 

98,000 00 

51,250 00 

50,450 00 

33,656 25 

175,425 00 

122,425 00 

106,800 00 

103,537 50 

85,856 25 

46,612 50 

20,161 50 

236,775 00 

13,455 00 

14,237 50 

7,500 00 

30,200 00 

43,046 50 

175,639 25 

20,634 38 

29,296 25 

37,236 00 

31,800 00 

21,097 00 

6,315 63 

21,413 00 

11,912 79 

7,250 00 

12,600 00 



Market Value. 

$20,000 00 
56,000 00 
18,250 00 
20,000 00 
26,000 00 
58,500 00 
99,360 00 
16,250 00 
44,550 00 
45,000 00 
8,500 00 
28,568 75 
4,900 00 

116,000 00 
25,000 00 
25,000 00 
50,000 00 
45,000 00 
13,000 00 

101,000 00 
98,000 00 
12,500 00 
51,000 00 
39,875 00 

160,050 00 

142,000 00 

108,000 00 

25,125 00 

47,425 00 

7,375 00 

20,600 00 

199,000 00 

7,500 00 

11,262 50 

2,250 00 

30,750 00 

37,200 00 

154,420 00 

21,867 00 

22,080 00 

39,900 00 

33,000 00 

21,000 00 

500 00 

34,000 00 

13,200 00 

7,500 00 

3,250 00 



194 



THE UNION CENTRAL LIFE INSURANCE COMPANY. 



200 shares N'l B'k of C'wealth, Boston, Mass. 

100 " Atlas National B'k, Boston, Mass. 

20 " Araer. N'l B'k, Kansas City, Mo., 

50 " State Nat'l B'k, St. Joseph, Mo., 

50 " Union Nat'l B'k, Denver, Col., 

350 " Conn. Tr. & S. D. Co., Hart., Conn. 

140 " Security Co., Hartford, Conn , 

600 " Hartford City Gas-Light Co., 

2,433 " Hartford L'n & Tr. Co., Den., Col. 



Cost Value. 

$21,212 75 

11,900 00 

8,000 00 

8,600 00 

11,000 00 

29,400 00 

14,736 25 

28,635 01 

243,300 00 



Market Value. 

$27,600 00 

12,300 00 

1,400 00 

5,000 00 

3,750 00 

56,000 00 

16,800 00 

21,000 00 

243,300 00 



.,545,626 46 $6,226,707 57 



"THE UNION CENTRAL LIFE INSURANCE COMPANY," 
CINCINNATI, OHIO. 

[Incorporated 1867. Commenced business 1867.] 

Paid-up Capital, $100,000. 

John M. Pattison, President. E. P. Marshall, Secretary. 



Income. 

Received for premiums on new policies, .... 

Received for renewal premiums, 

Dividends applied to pay running premiums, . 
Dividends applied to purchase paid-up additions and annuities 
Surrender values applied to pay running premiums, 
Surrender values applied to purchase paid-up insurance and 

annuities, 

Received for annuities, 



Total, 

Deduct amount paid for reinsurance, 



Total premium income, 
Received for interest, 
Received for rents of company's property, 



Total income, .... 

Net or ledger assets Dec. 31, 1894, . 



Total, 



Disbursements 



$623,817 50 

2,286,133 52 

65,497 67 

14,188 30 

5,918 30 

114,177 41 
1,000 00 

^3,110,732 70 
4,060 00 

^3,106,672 70 

842,820 84 

6,642 20 



Paid for losses and additions, . 

Paid for matured endowments and additions, 



Gross amount paid for losses and endowments, 

Paid to annuitants, 

Premium notes or loans voided by lapse, 



$3,956,135 74 
12,152,032 00 

$16,108,167 74 



$606,575 17 
104,691 77 

$711,266 94 

2,033 58 

176,156 37 



THE UNION CENTRAL LIFE INSURANCE COMPANY. 



195 



Cash dividends paid policy-holders, .... 

applied to pay running premiums, . 
applied to purchase paid-up additions and 

annuities, 

Surrender values paid in cash, 

applied to pay running premiums, 
applied to purchase paid-up insurance and 
annuities, 

Total paid policy-holders, 

Cash paid for dividends to stockholders, .... 

for commissions and bonuses to agents, new poli 
cies, f299,050.33 ; renewals, $144,404.05, . 

for salaries and allowances to managers and agents 

for medical examiner's fees, .... 

for salaries of officers and home office employees 

for taxes on premiums, 

for taxes on investments, $360.89 ; on reserves 
$818.26,. 

for taxes on real estate, 

for fees, licenses, etc., 

for rent, 

for commuting commissions, .... 

for advertising, printing and postage, 

for legal expenses, 

for furniture and office fixtures, 

for real estate expenses (except taxes), 

for loss on sales of property, .... 

for incidentals, 

Profit and loss account, 

Total disbursements, 



Balance, 



$54,460 55 

65,497 67 

14,188 30 

88,578 85 

5,918 30 

114,177 41 

1,232,277 97 

10,000 00 

443,454 38 

55,413 69 

46,266 00 

89,051 41 

35,224 84 

1,179 15 

4,929 06 

7,591 74 

26,340 66 

2,615 05 

37,597 34 

10,769 71 

3,979 02 

9,147 38 

5,371 30 

57,137 38 

88,430 27 

2,166,776 35 

$13,941,391 39 



Invested in the following : — 



Assets as per Ledger Accounts 



Cost of real estate, 

Loans on mortgage of real estate (first liens), 

Loans on company's policies assigned as collateral 

Premium notes or loans on policies in force, 

Par value of United States bonds owned, 

Cash in company's office, .... 

Cash deposited in bank, .... 

Bills receivable, . . . 

Agents' debit balances, .... 

Furniture, 



Ledger assets as per balance, 



$441,417 60 

11,028,702 46 

1,394,602 55 

772,417 43 

10,000 00 

1,630 99 

79,485 37 

68,864 89 

129,270 10 

15,000 00 



$13,941,391 39 



196 



THE UNION CENTRAL LIFE INSURANCE COMPANY. 



Other Assets. 
Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of real estate over cost, 
Market value of bonds over par, 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, 

Total, 

Deduct loading (20 per cent.), 

Net amount of uncollected and 
deferred premiums, 



$423,107 51 
3,094 65 
3,192 02 
1,050 00 



New Business 

$124,353 86 
22,069 28 



Renewals. 

$57,038 73 
47,777 91 



$146,423 14 
29,284 63 



$104,816 64 
20,963 33 



$117,138 51 $83,853 31 



200,991 82 



Total assets, per company's books, . 

Items not admitted. 
Office furniture, etc., 

Agents' debit balances, ..... 
Bills receivable, . . 

Total, - 

Total admitted assets, . . 
Deduct special deposits in other States, . 



$14,572,827 39 



$15,000 00 

129,270 10 

68,864 89 



213,134 99 



$14,359,692 40 
11,050 00 



Balance, 



$14,348,642 40 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), 
Deduct net value of reinsured risks, 

Net reserve, . . 
Commissions due on premium notes, 
Matured endowments due and unpaid, . . $500 00 

Death losses in process of adjustment, . . 31,530 58 

Claims resisted by the company, . . . 27,500 00 

Total policy claims, .... 
Unpaid dividends of surplus due policy-holders, 
Premiums paid in advance, 



Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital,' .... 

Surplus over capital, 

Gross liabilities, 



$12,478,755 00 
2,769 00 



$12,475,986 00 
84,885 22 



$1,653,358 89 



59,530 58 

5,282 74 

80,648 97 

$12,706,333 51 
11,050 00 

$12,695,283 51 

100,000 00 
. 1,553,358 89 

$14,348,642 40 



THE UNION CENTRAL LIFE INSURANCE COMPANY. 



107 



Premium Note Account. 



Premium notes on hand Dec. 31, 1894, 
Premium notes received during 1895 (new poli 
cies, $262,458.21 ; old policies, $977,823.33), 

Total, 

Used in payment of losses and claims, 
Used in purchase of surrendered policies, 

Voided by lapse, 

Used in payment of dividends to policy-holders 
Redeemed by maker in cash, . 

Total, 



$726,758 27 

1,210,281 54 

$9,852 86 
21,136 62 

176,156 37 
6,494 28 

980,982 25 



$1,967,039 81 



1,194,622 38 



Balance note assets Dec. 31, 1895, 



$772,417 43 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1894. 

Total No. 





Number. 


Amount. 


Whole life, 


. 39,681 


$64,851,939 00 


Endowment, 


. 4,123 


6,952,690 00 


All other, . 


. 1,943 


3,326,580 00 


Reversionary additions, 


- 


80,089 00 



Total Amount. 



45,747 $75,211,298 00 



Policies issued during the Year. 



Whole life, 


. 11,260 


$21,417,712 00 




Endowment, 


. 1,225 


1,805,599 00 




All other, . 


. 1,031 


2,529,200 00 








13,516 


25,752,511 00 



Whole life, 
Endowment, 
All other, . 

Additions by dividends, 



Old Policies revived. 



451 

40 

8 



$814,852 00 
72,400 00 
13,000 00 



499 



900,252 00 
23,244 00 



Total, 



59,762 $101,887,305 00 



Policies terminated during the Tear. 

Whole life, . . . 7,721 $14,236,451 00 
Endowment, ... 783 1,370,885 00 
All other, .... 1,148 2,029,691 00 



9,652 $17,637,027 00 



198 



UNION MUTUAL LITE INSURANCE COMPANY. 



Eow terminated. 



Number. Amount. Total No. 


Total Amount. 


By death, .... 329 $586,398 00 




maturity, ... 25 43,540 00 




expiry 231 366,150 00 




surrender, ... 517 1,010,751 00 




lapse, .... 6,055 10,267,880 00 




change and decrease, . 296 951,741 00 




Not taken, . . . . 2,199 4,410,567 00 

. .... - fi^° 


$17,637,027 00 




Policies in Force Dec. 31, 1895. 




Whole life, . . . 43,671 $72,848,052 00 




Endowment, . . . 4,605 7,459,804 00 




All other, .... 1,834 3,849,430 00 




Reversionary additions, . - 92,992 00 

^0 110 


$84,250,278 00 





" UNION MUTUAL LIFE INSURANCE COMPANY," PORTLAND, ME. 

[Incorporated July 17, 1848. Commenced business Oct. 1, 1849.] 

Feed E. Richards, President. J. Frank Lang, Secretary. 



Income. 
Received for premiums on new policies, . 
Received for renewal premiums, 
Dividends applied to pay running premiums, . 
Dividends applied to purchase paid-up additions and annuities 
Surrender values applied to pay running premiums, 
Surrender values applied to purchase paid-up insurance and 

annuities, .... 
Received for annuities, 



Total, 

Deduct amount paid for reinsurance 

Total premium income, 
Received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 
Premium notes or loans restored, 
Profit on securities sold, . 
Profit and loss account, . 



Total income, 
Net or ledger assets Dec. 31, 1894, 

Total, 



$209,908 99 

780,616 22 

8,479 01 

17,466 94 

3,742 61 

21,704 88 
1,100 00 



$1,043,018 65 
2,777 88 

$1,040,240 77 

263,158 59 

579 00 

23,115 87 

92 00 

25,983 17 

635 98 

$1,353,805 38 
6,296,453 00 

$7,650,258 38 



UNION MUTUAL LIFE INSURANCE COMPANY. 



199 



Disbursements. 

Paid for losses and additions, . . . . 
for matured endowments and additions, . 
on matured instalment policies and additions, 

Gross amount paid for losses and endowments, 

Paid to annuitants, 

Premium notes voided by lapse, .... 
Loans on policies voided by lapse, .... 
Cash dividends paid policy-holders, 

applied to pay running premiums, . 

applied to purchase paid-up additions and 

annuities, 

Surrender values paid in cash, 

applied to pay running premiums, 
applied to purchase paid-up insurance and 
annuities, . . . 

Total paid policy-holders, 

Cash paid for commissions and bonuses to agents, new poll 

cies, $137,077.34; renewals, $36,989.46, 
for salaries and allowances to managers and agents 
for medical examiner's fees, .... 
for salaries of officers and home office employees, 
for taxes on new premiums, $3,206 59 ; on renewals 

$7,888.86, . - . 
for taxes on reserves, 
for taxes on real estate, 
for fees, licenses, etc., 
for rent, . 

for commuting commissions, 
for advertising, printing and postage, 
for legal expenses, .... 
for furniture and office fixtures, 
for real estate expenses (except taxes), 
for loss on sales of property, . 
for incidentals, 



Total disbursements, 
Balance, 



$489,618 84 

138,280 77 

139 15 

$628,038 76 

406 59 

851 00 

11,368 94 

5,126 35 

8,479 01 

17,466 94 

41,203 21 

3,742 61 

21,704 88 
$738,388 29 

174,066 80 
74,053 47 
26,604 55 
54,445 48 

11,095 45 

3,011 52 

8,086 46 

7,526 17 

16,530 67 

2,787 72 

20,724 40 

7,503 61 

954 23 

13,319 72 

2,197 30 

15,463 56 

51,176,759 40 



,473,498 98 



Invested in the following : — 

Assets as per Ledger Accounts. 

Value of real estate, 

Loans on mortgage of real estate (first liens), 

on collateral security (schedule A), . 

on company's policies assigned as collateral, . 



),151 39 

1,394,808 33 

653,557 96 

17,850 00 



200 



UNION MUTUAL LIFE INSURANCE COMPANY. 



Premium notes or loans on policies in force, . 
Book value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank and in transit (since received), 

Bills receivable, 

Agents' ledger balances, 

Cash notes taken for premiums, .... 

Ledger assets, as per balance, . 

Other Assets. 



Interest due and accrued, 

Rents due and accrued, 

Market value of stocks and bonds over book, . 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, . . . 

Total, 

Deduct loading (20 per cent.), 

Net amount of uncollected and 
deferred premiums, 



New Business. 

$49,097 32 

22,288 72 

$71,386 04 
14,277 21 



Eenewals. 

$83,306 81 

62,988 45 

$146,295 26 
29,259 05 



$57,108 83 $117,036 21 



Total assets, per company's books, 

Items not admitted. 

Agents' ledger balances, $ 6,965 53 

Bills receivable 8,856 20 

Excess of loan over market value, . . . 1,850 00 

Total, 

Total admitted assets, 

Deduct special deposits in other States, 



$213,042 00 

3,252,264 63 

479 49 

95,337 60 

8,856 20 

6,965 53 

31,185 85 



1,473,498 98 



75,251 36 

2,098 48 

71,755 75 



174,145 04 
1,796,749 61 



17,671 73 

1,779,077 88 
535,071 38 



Balance, $6,244,006 50 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), 
Deduct net value of reinsured risks, 



Net reserve, .... 
Present value of unpaid instalments, 
Matured endowments due and unpaid, 
Death losses in process of adjustment, 
Claims resisted by the company, 

Total policy claims, . 



$s,315 96 

82,951 13 

2,000 00 



1,231,821 00 

6,841 00 

>,224,980 00 
1,924 10 



93,267 09 



UNION MUTUAL LIFE INSURANCE COMPANY. 



201 



Unpaid dividends of surplus due policy-holders, . 

Premiums paid in advance, 

Contingent reserve, 

Bills payable, 



Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 



Surplus as regards policy-holders, . 



53,235 72 
605 89 
130 26 

1,000 00 



> f 325,143 06 
535,071 38 



,790,071 68 
453,934 82 



Gross liabilities, $6,244,006 50 



Premium Note Account. 



Premium notes on hand Dec. 31, 1894, . 

rec'd during 1895 (old pol's), 
restored by revival of policies 

Total, 

Used in payment of losses and claims, . 
Used in purchase of surrendered policies, 
Voided by lapse, . . . 
Used in payment of dividends to policy-holders 
Redeemed by maker in cash, . 

Total, . . . 



$231,085 00 

6,289 00 

92 00 

$16,213 00 

2,526 00 

851 00 

3,572 00 

1,262 00 



$237,466 00 



24,424 00 



Balance note assets Dec. 31, 1895, 



$213,042 00 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1894. 



Whole life, . .. , 
Endowment, 
All other, . 
Reversionary additions, 



Number. Amount. Total No. Total Amount. 

10,967 $20,606,882 00 

6,075 10,496,055 00 

2,508 4,993,729 00 
215,375 00 
— 19,550 $36,312,041 00 



Whole life,. 
Endowment, 



Policies issued during the Year. 

. 4,264 $6,795,956 00 
726 1,092,252 00 



4,990 7,888,208 00 



Whole life, . 
Endowment, 
All other, . 



Old Policies revived. 



41 

8 



$54,000 00 

9,000 00 

129 00 



49 



63,129 00 



202 



UNION MUTUAL LIFE INSURANCE COMPANY. 



Old Policies increased and transferred. 



Number. 


Amount. Total No. 


Total Amount. 


8 


$13,500 00 




29 


17,844 00 




569 


999,059 00 






606 


$1,030,403 00 






• 


. 


106,067 00 



Whole life, . 
Endowment, 
All other, . 

Additions by dividends, 



Total, 25,195 $45,399,848 00 



Policies terminated during the Year 

Whole life,. . . . 2,991 $6,371,466 00 
Endowment, ... 879 1,410,666 00 
All other, .... 409 935,575 00 





4,279 


$8,717,707 00 




How terminated. 


By death, . . . 


278 


$501,574 00 


maturity, 


131 


134,780 00 


expiry, . 


347 


658,478 00 


surrender, . . , 


215 


477,726 00 


lapse, . 


1,981 


4,007,000 00 


change and decrease, 


606 


1,541,749 00 


Not taken, . 


721 


1,396,400 00 


Policies in Force Dec. SI, 1895, 


Whole life, 


. 12,289 


$21,098,872 00 


Endowment, 


. 5,959 


10,204,485 00 


All other, . 


. 2,668 


5,154,164 00 


Reversionary additions, 


. 


224,620 00 

9 



4,279 8,717,707 00 



20,916 $36,682,141 00 



Schedule A. 
Securities held as Collateral. 

Market Value. Amount Loaned. 

24 shares Central Wharf, Portland, Me., . $24,000 00 $12,000 00 

355 " Portland Water Co., Portland, Me., 39,050 00 24,000 00 

5 " First Nat'l Bank, Wiscasset, Me., . 525 00 495 00 

70 " Flint & Pere Marquette R.R., PT d, 2,450 00 4,300 00 

Maine Central RR. Co. bonds, . . . . 2,140 00 \ 

Northern Pacific R.R. bonds, .... 1,170 00 S- 4,000 00 

Beloit Water Works Co. bonds, . . . 1,020 00 ) 

Leeds and Farmington R.R. bonds, . . . 1,000 00 700 00 

9 shares Central Wharf, Portland, Me., . . 9,000 00 4,200 00 

Maine Central R.R. bonds, .... 1,070 00 1,000 00 

188 shares C. & R. Water Co., Camden, Me., . 18,800 00 15,000 00 



UNION MUTUAL LIFE INSURANCE COMPANY. 



203 



3 shares American Bell Telephone Co., 
18 shares N. Y., New Haven & Hartford R.R. 
Grand Ave. R.R. Co., Kansas City, Mo., bonds 
100 shares C. & R. Water Co , Camden, Me, 

20 shares Portland Nat'l Bank, Portland, Me. 

Portage City Water Co , Portage, Wis., bonds 

25 shares Portland Water Co., Portland, Me. 

Lime Rock R.R. Co , Rockland, Me., bonds, 

5 shares Portland R.R. Co., Portland, Me., 

50 " Portland & Rochester R.R., . 
200 " Commercial Union Telegraph Co. 

20 " Portland, Me., Water Co., 
5 " Rockland, Me , Trust Co., 

80 " Portland Me , Water Co., 
110 " N'l Shoe & Leath. B'k, Auburn, Me. 
Mortgage of real estate, .... 
52 shares Portland, Me., Water Co., 
90 shares Portland Railroad Co., 
St. Joseph Water Co., St. Joseph, Mo., bonds, 
Atchison, Topeka & Santa Fe Railroad bonds 
Akron Street Railway Co. bonds, 
City of Portland, Me., bonds, . 
Rumford Falls Power Co bonds, 
Fort Smith, Ark., Water Co. bonds, . 
Kalispell Water Co. bonds, 
12 shares Lockwood Co., Waterville, Me., 
Ohio & Mississippi Railroad bonds, . 
Mt. Vernon Water Co., Mt. Vernon, N.Y., b'ds 
Antigo, Wis., Water Co bonds, 
20 shares Portland Trust Co., . 
Greenbush, N.Y., Water Co. bonds, . 
220 shares Inter. L & Tr. Co., Kansas City, Mo. 
Fort Smith, Ark., Water Co. bonds, . 
Rome, Watertown & Ogdensburg R.R. bonds 
Kennebec Light & Heat Co. bonds, . 
Maine Central Railroad bonds, 
Crystal Water Co., Edgewater, N.Y., bonds, 
Chicago Gas Light & Coke Co. bonds, 
Lowell, Lawrence & Haverhill St. R'y bonds, 
Evansville, Ind., bonds, .... 
12 shares Portland Railroad Co., 
Evansville, Ind., bonds, . 
Crystal Water Co., Edgewater, N.Y., bonds, 
Fort Smith, Ark , Water Co. bonds, . 
Old Orchard Water Co. bonds, . 
80 shares Athol Water Co., 
Rumford Falls Light & Water Co. bonds, 
Maine and New Hampshire Granite Co. b'ds, 



Market Value. 

$600 00 
3,240 00 
2,000 00 

10,000 00 

2,200 00 

500 00 

2,750 00 

18,190 00 
600 00 
6,250 00 
4,750 00 
2,200 00 
550 00 
8,800 00 

11,000 00 

25,000 00 
5,720 00 

10,800 00 
3,000 00 

360 00 j 
1,000 00 ! 
3,510 00 

31,500 00 

12,500 00 j 
3,000 00 ! 
1,248 00 > 
2,140 00 J 
1,000 00, 
4,000 00 
2,200 00 
1,000 00 

11,000 00 
5,000 00 
3,570 00 \ 
525 00 i 

27,400 00 
1,500 00 

31,850 00 > 
9,270 00 
1,050 00 > 
1,440 00 
1,000 00 £ 
1,000 00 S 
500 00^1 
2,000 CO ! 
6,000 00 [ 
4,500 00 j 

16,500 00 



Amount Loaned. 

$5,000 00 

10,000 00 

400 00 

2,000 00 

14,000 00 

200 00 
5,000 00 
4,000 00 

2,000 00 

5,000 00 
7,500 00 
14,357 06 
5,000 00 
9,500 00 
2,000 00 

229 00 

3,000 00 
25,000 00 

14,000 00 



3,760 17 

3,500 00 
2,000 00 
800 00 
7,000 00 
4,000 00 

2,500 00 

20,000 00 
1,000 00 

41,485 00 

1,100 00 
1,500 00 



10,000 00 
15,000 00 



204 



UNION MUTUAL LIFE INSURANCE COMPANY. 



100 shares State Publishing Association, . 

30 " Aroostook Trust & Banking Co., 
209 " Cobb Lime Co., 
Rockland, Me., bonds, .... 
Leadville Water Co. bonds, 
Antigo Water Co bonds, .... 
Kennebec Light & Heat Co. bonds, . 
York Light & Heat Co. bonds, . 
Rockland, Thomaston & Camden St. R'y bonds 
100 shares Portland, Me., Water Co., 

40 " Kennebec Light & Heat Co., . 
100 " Me. T't&Bank'g Co., Gardiner, Me. 
Utica Belt Line St R'y Co. bonds, . 
20 shares First National Bank, Houlton, Me., 
Ft. Smith (Ark.) Water Co. bonds, . 
300 shares Lime Rock RR., . 

30 shares Aroostook Trust & Banking Co., 
Bangor & Aroostook R.R. bonds, . . 
10 shares Ft. Fairfield National Bank, 
Portland, Me., Water Co. bonds, 
Jeffersonville, Ind., bonds, 
Maine Central R.R bonds, 
Portland & Ogdensburg R.R. bonds, 
Rumford Falls Light & Water Co. bonds, 
Old Orchard Water Co bonds, 
Raton Water Works bonds, 
Mousam Water Co. bonds, 
Leadville, Col., Warrants, 
Real Estate, St. Paul, Minn., , . 
300 shares P. H. & J. M. Brown Co., 
Rockland Water Co. bonds, 
20 shares Aroostock Trust & Banking Co., 
10 " Presque Isle National Bank, 
10 " Fort Fairfield National Bank, . 
10 " Presque Isle National Bank, 
Sundry mortgages on real estate, 
Portland Water Co bonds, 

400 shares Rockland, Me., building syndicate 
25 " Lime Rock Railroad, . 
1,747 " Merch. Ex. B'g Co., Kan. C'y, Mo. 
Rockland, Thomaston & Camden St. R'y bonds 
Rumford Falls Light & Water Co. bonds, 
Leadville, Col , warrants, 
Lowell, Lawrence & Haverhill St. R'y bonds, 
112 shares Cobb Lime Co., 
100 shares Lime Rock Railroad Co., 
Astoria, Ore., water bonds, 
Lowell, Lawrence & Haverhill St. R'y bonds, 



Market Value. 

$10,000 00 
3,900 00 

12,540 00 
500 00 
500 00 
500 00 
525 00 j 
1,000 00 ! 
500 00 J 

11,000 00 
4,000 00 

13,000 00 

25,150 00 
3,500 00 
1,000 00 

30,000 00 
4,200 00 

10,200 00 
1,300 00 
4,000 00 
1,000 00 n 
1,370 00 S 
535 00 ) 
2,000 00 v 
1,000 00 
1,000 00 )> 
6,000 00 I 
1,000 00 J 
3,000 00 

30,000 00 
535 00 
2,800 00 
1,350 00 
1,300 00 ) 
1,350 00 S 

10,000 00 
2,040 00 

40,000 00 
2,500 00 

87,350 00 

34,500 00^1 



Amount Loaned. 

$8,400 00 
3,000 00 



► 10,485 00 



10,000 00 

10,000 00 

20,588 00 

2,000 00 

800 00 

20,000 00 

3,000 00 

9,000 00 

500 00 

3,015 42 

2,500 00 



10,000 00 



1,650 00 

15,000 00 

125 00 

2,000 00 

1,000 00 

2,000 00 

5,400 00 
1,500 00 

25,000 00 
2,000 00 

56,368 31 



500 00 
1,000 00 
3,090 00 J 
6,720 00 
10,000 00 
10,400 00 ) 
1,030 00 ) 



35,000 00 

3,700 00 
5,000 00 

10,000 00 



UNION MUTUAL LIFE INSURANCE COMPANY. 



205 



Knox & Lincoln Railroad bonds, 
80 shares First National Bank, Bath, Me., 
50 " Bath National Bank, Bath, Me., 

120 " Otis Falls Pulp Co., 

169 " Hereford Railroad Co., . 

Sandy River Railroad Co. bonds, 



Schedule B. 



Market Value. 

$18,700 00 
12,000 00 1 
7,500 00 | 
12,000 00 f 
15,210 00 
11,000 00 



Amount Loaned. 

$17,000 00 



50,000 00 



$883,033 00 $653,557 96 



Stocks and Bonds owned by the Company. 



United States bonds, . 

State of Maine bonds, 

Province of New Brunswick bonds 

Montreal Harbor bonds, . 

Annuities, Province of Ontario, 1896 to 1925 

$7,000 payable semi-annually until 1925, 
Annuities, Province of Ontario, 1896 to 1932 

$1,000 payable semi-annually until 1932, 
County of Cumberland, Me., bonds, 
Bell County, Tex , bonds, . 
Cass County, Mo., bonds, . 
Franklin County, Ky., bonds, . 
Itasca County, Minn., bonds, . 
Jefferson County, Ala., bonds, . 
McCracken County, Ky., bonds, 
Mecklenburg County, N.C., bonds, 
Spokane County, Wash., bonds, 
Wells County, Ind , bonds, 
Belfast, Me., bonds, . 
Caribou, Me., bonds, . 
Caribou, Me., school notes, 
Caswell Plantation, Me., note, . 
Damariscotta, Me., bonds, 
Presque Isle, Me., note, 
Americus, Ga , bonds, 
Alliance, Ohio, bonds, 
Astoria, Ore., water bonds, 
Boone, Iowa, water works bonds, 
Chicago, III., bonds, sanitary dist., 
Cheboygan, Mich , bonds, water works, 
Delaware, Ohio, bonds, public hall, 
Gorham, N. H., note, school district 
Helena, Mont., bonds, 
Ironton, Ohio, bonds, 
Joliet, 111., bonds, 
Mattoon, 111., bonds, funding, . 



Book Value. 

$63,800 00 

48,718 75 

100,589 37- 

30,432 50 



5,050 00 

5,200 00 

11,400 00 

17,198 40 

22,400 00 

70,350 00 

32,400 00 

31,612 50 

10,650 00 

13,780 00 

5,137 50 

1,000 00 

8,000 00 

1,000 00 

2,000 00 

7,000 00 

10,900 00 

18,040 00 

36,225 00 

10,300 00 

104,981 25 

18,846 00 

5,631 25 

2,000 00 

26,937 50 

15,927 00 

25,694 00 

40,725 00 



Market Value. 

$64,075 00 

50,500 00 

100,000 00 

30,000 00 



)■ 387,906 62 394,071 38 



5,100 00 

5,400 00 

12,000 00 

18,240 00 

22,800 00 

73,600 00 

33,000 00 

37,200 00 

11,000 00 

14,040 00 

5,200 00 

1,000 00 

8,000 00 

1,000 00 

2,060 00 

7,000 00 

12,700 00 

18,160 00 

36,400 00 

10,650 00 

107,535 00 

19,800 00 

5,450 00 

2,000 00 

27,000 00 

16,500 00 

25,875 00 

44,000 00 



206 



UNION MUTUAL LIFE INSURANCE COMPANY. 



b'ds 



b'ds 



Morris, 111., bonds, water, 

Newport, Ky., bonds, 

Perth Amboy, N. J., bonds, water, 

Piqua, Ohio, bonds, . 

Piano, Tex., bonds, school, 

Provo City, Utah, bonds, water, 

Pueblo, Col., bonds, public building 

Pueblo, Col., bonds, water, 

Pueblo, Col., bonds, deficiency, 

Richmond, Va., bonds, 

Seattle, Wash., bonds, water, . 

Salt Lake City, Utah, bonds, 

Sandusky, Ohio, bonds, sewer, . 

West Duluth, Minn., bonds, 

Boston & Maine R R. Co. bonds, 

Knox & Lincoln R'y Co. bonds, 

Lime Rock R.R. Co., Rockland, Me., bonds, 

Maine Central R.R. bonds, 

Portland & Ogdensburg R'y Co. bonds, 

Portland & Rumford Falls R'y Co. bonds 

Penobscot Shore Line R.R. Co. bonds, 

Rockland, Thomaston & Cam. St. R'y Co 

Central of Georgia R'y Co. bonds, . 

Fort St. Union Depot Co., Detroit, Mich., 

Grand Avenue R'y Co. bonds, . 

Kanawha & Michigan R'y Co. bonds, 

Kansas & Missouri R.R. bonds, 

Lowell, Lawrence & Haverhill St. R'y bonds 

Milwaukee & St. Paul R.R. bonds, . 

Norfolk Suburban Street R'y Co bonds, 

Norwood & Montreal R R. bonds, . 

Peoples' St. R'y Co. of Luzerne Co., Pa., bonds, 

Rome, Watertown & Ogdensburg R.R. bonds, 

Staten Island Rapid Transit R.R. bonds, . 

Sturgis, Goshen & St. Louis R'y Co. bonds, 

Union Electric R'y Co., Saratoga, N. Y., bonds 

Union Street R'y Co , Dover, N. H , bonds, 

Utica Belt Line Street R'y Co. bonds, 

Wisconsin Valley R.R. bonds, . 

Augusta, Me , Water Co. bonds, 

Bath Iron Works bonds, . 

Freeport, Me., Water Co. bonds, 

Kennebec Light & Heat Co. bonds, . 

Knox, Me., Gas and Electric Co. bonds, 

Maine Water Co. bonds, . 

Mousam Water Co. bonds, 

Rockland, Me., Water Co. bonds, 

Rumford Falls Power Co. bonds, 



Book Value. 

$20,596 00 
25,740 00 
15,225 00 
22,935 00 
7,000 00 
25,000 00 
15,150 00 
26,437 50 
11,325 00 
10,735 00 
25,068 75 
26,187 50 
10,360 00 
27,875 00 
25,635 13 
16,125 00 
25,000 00 
100,920 96 
52,000 00 
34,000 00 
17,000 00 
19,600 00 
26,145 00 
24,881 25 
28,500 00 
20,500 00 
9,500 00 
21,004 77 
42,011 68 
24,500 00 
27,490 40 
23,816 25 
25,811 45 
11,202 20 
17,785 75 
21,100 00 
23,750 00 
26,325 00 
5,122 10 
9,950 00 
5,000 00 
20,000 00 
19,800 00 
19,800 00 
20,000 00 
10,000 00 
50,000 00 
25,000 00 



Market Value. 

$21,000 00 
27,600 00 
15,600 00 
23,100 00 

7,700 00 
28,750 00 
15,750 00 
28,250 00 
11,600 00 
11,000 00 
27,250 00 
28,000 00 
10,305 00 
30,500 00 
28,750 00 
16,500 00 
26,750 00 
107,000 00 
53,500 00 
34,000 00 
17,340 00 
20,000 00 
26,320 00 
25,500 00 
30,000 00 
20,750 00 

7,000 00 
21,630 00 
43,750 00 
25,750 00 
27,125 00 
28,500 00 
29,750 00 
11,200 00 
18,750 00 
21,500 00 
25,000 00 
26,325 00 

5,000 00 
10,250 00 

5,000 00 
20,000 00 
21,000 00 
21,400 00 
20,000 00 
10,250 00 
53,500 00 
26,250 00 



UNION MUTUAL LIFE INSURANCE COMPANY. 



207 



Standish Water and Construction Co. bonds, 
Athol, Mass., Water Co. bonds, 
City Water Co., Chattanooga, Tenn., bonds, 
Crystal Water Co., Edgewater, N. Y., bonds, 
Detroit Gas Co. bonds, .... 
Ellicott Square Co., Buffalo, N. Y., bonds, 
Edison Elec. 111. Co., Baltimore, Mel , bonds, 
Fort Smith, Ark., Water Co. bonds, 
Goldsboro, N. C, Water Co. bonds, 
Leadville, Colo., Water Co. bonds, . 
Le Mars, Iowa, Water & Light Co. bonds, 
Manitowoc, Wis., Water Works Co. bonds, 
Metropolitan Tel. & Teleg. Co. bonds, . 
Oshkosh, Wis., Water Works Co. bonds, . 
Port Jervis, N. Y., Gas Co. bonds, . 
Raton, N. M., Water Works Co. bonds, . 
Richmond Water & Light Co. Rich., Ky., b'ds 
St. Joseph, Mo , Water Co. bonds, . 
Wakefield, Mass., Water Co. bonds, 
142 shares Port., Saco & Portsm'th R.R. b'ds 
200 " Canal Nat'l Bank, Portland, Me. 
122 " Cumberland Nat'l B'k, Port., Me. 
100 " First Nat'l Bank, Portland, Me., 
36 " Merchants Nat'l B'k, Port., Me., 
63 " Nat'l Traders B'k, Portland, Me. 
200 " Portland Nat'l B'k, Portland, Me. 
2,455 " Union S. D. & T't Co., Port., Me. 
20 " Bid'f d Nat'l B'k, Biddeford, Me. 
20 " First Nat'l Bank, Auburn, Me., 
10 " First Nat'l Bank, Wiscasset, Me. 
100 " First Nat'l Bank, Lewiston, Me., 
12 " First Nat'l Bank, Bangor, Me., 
50 " First Nat'l Bank, Biddeford, Me. 
60 " Lime Rock Nat'l B'k, R'l'd, Me., 
50 " Manuf. Nat'l B'k, Lewiston, Me 
100 " North Nat'l Bank, Rockland, Me 
100 " North'n N't'l B'k, Hallowell, Me 
10 " Norway Nat'l B'k, Norway, Me 
40 " Peo. Nat'l B'k, Waterville, Me., 
5| " Richm'd N't'l B'k, Richmond, Me 
50 " Rockl'd Nat'l B'k, Rockland, Me 
50 " Rumf'd Falls T't Co.,Rum.F.,Me 
35 " Ticonic Nat'l B'k, Waterville, Me 
50 " Westbr'k T't Co., Westbr'k, Me, 
24 " City Nat'l Bank, Dallas, Tex., 
50 " Comm'l Nat'l B'k, Omaha, Neb 
20 " Far. & Mer. N't'l B'k, Waco, Tex 
50 " Flour City Nat'l B'k, Minn., Minn 



Book Value. 

$21,400 00 
19,800 00 
2,940 00 
19,600 00 
16,500 60 
52,500 00 
50,000 00 
19,600 00 
24,500 00 
20,000 00 
24,500 00 
24,937 50 

49.512 50 
24,500 00 

4,700 00 
14,700 00 
17,640 00 
19,600 00 
19,200 00 

16.513 84 
33,970 25 

7,057 20 

12,873 50 

4,341 70 

8,683 00 

20,000 00 

245,500 00 

2,766 00 

3,200 00 

1,340 00 

16,400 00 

1,560 00 

7,305 96 

5,040 00 

5,434 50 

13,341 00 

14,096 25 

1,080 00 

5,517 00 

763 00 

7,630 00 

5,000 00 

5,089 00 

5,000 00 

2,400 00 

6,250 00 

2,000 00 

5,775 00 



Market Value. 

f22,000 00 

20,000 00 

3,000 00 

20,000 00 

12,150 00 

55,000 00 

51,500 CO 

20,000 00 

25,000 00 

20,000 00 

25,625 00 

25,500 00 

54,500 00 

25,000 00 

5,000 00 

15,000 00 

18,000 00 

20,000 00 

20,800 00 

20,590 00 

26,000 00 

4,880 00 

10,500 00 

4,392 00 

7,245 00 

22,000 00 

245,500 00 

2,600 00 

2,800 00 

1,050 00 

16,300 00 

1,860 00 

8,000 00 

3,900 00 

5,500 00 

15,000 00 

12,800 00 

1,250 00 

4,400 00 

560 00 

8,000 00 

5,000 00 

3,500 00 

5,500 00 

3,000 00 

4,000 00 

1,600 00 

2,500 00 



208 



UNITED STATES LIFE INSURANCE COMPANY. 



64 shares Knickerb'ker T't Co., N. Y. City., 



50 
50 

10 T(J 

50 
30 
20 



N't'l B'k of Kan. C'y, Kan. C'y, Mo., . 
Nat'l B'k of Com., Omaha, Neb., . 
Peoples Invest. Co., Dallas, Tex., . 
Sch'ter Hax N't'l B'k, St. Jo., Mo. 
First Nat'l B'k, Buch Co., Mo., 
Sioux F. N't'l B'k, Sioux F.,S. D., . 



Book Value. 

$9,465 00 
5,437 50 
5,250 00 
1,530 00 

5,500 00 

2,280 00 



Market Value. 

$11,840 00 

1,500 00 

2,000 00 

1,377 00 

3,900 00 

2,000 00 



;,252,264 63 $3,324,020 38 



"UNITED STATES LIFE INSURANCE COMPANY IN THE CITY 
OF NEW YORK," NEW YORK, N. Y. 

[Incorporated February, 1850. Commenced business March, 1850.] 
Paid-tjp Capital, $440,000. 

George H. Burford, President. C. P. Fraleigh, Secretary. 



Income. 

Received for premiums on new policies, . 

Received for renewal premiums, ..... 

Dividends applied to pay running premiums, . 

Dividends applied to purchase paid-up additions and annuities 

Surrender values applied to pay running premiums, 

Surrender values applied to purchase paid-up insurance and 

annuities, 

Received for annuities, .... 



Total, ... ... 

Deduct amount paid for reinsurance, 

Total premium income, 
Received for interest, .... 
Received for rents of company's property, 
Profit and loss account, .... 



Total income, .... 
Net or ledger assets Dec. 31, 1894, . 



Total, 



Disbursements 

Paid for losses and additions, . 

for matured endowments and additions, 
on matured instalment policies, 



Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 



$160,106 71 

910,882 43 

5,315 50 

11,725 35 

91 15 

59,344 10 

7,377 16 



$1,154,842 40 
5,730 68 



$1,149,111 72 

322,363 98 

12,614 92 

3,741 03 



M ,487,831 65 
6,764,486 76 



5,252,318 41 



$540,933 94 

69,079 00 

1,300 00 



11,312 94 

5,000 00 



$606,312 94 



UNITED STATES LIFE INSURANCE COMPANY. 



209 



Paid to annuitants, 

Premium notes voided by lapse, 

Loans on policies voided by lapse, 

Cash dividends paid policy-holders, .... 

applied to pay running premiums, . 
applied to purchase paid-up additions and 

annuities, 

Surrender values paid in cash, 

applied to pay running premiums, 
applied to purchase paid-up insurance and 
annuities, 



t,539.32; on reserves 



Total paid policy-holders, 

Cash paid for dividends to stockholders, .... 

for commissions and bonuses to agents, new poll 
cies, f90,562.41 ; renewals, $64,763.35, 

for salaries and allowances to managers and agents 

for medical examiner's fees and inspections, . 

for salaries of officers and home office employees, 

for taxes on new premiums, $1,531.15; on re- 
newals, $6,111.20,. 

for taxes on investments 
81,271.78, 

for taxes on real estate, 

for fees, licenses, etc., 

for rent, . 

for advertising and printing 

for legal expenses, . 

for furniture and office fixtures, 

for real estate expenses (except taxes), 

for incidentals, ..... 

Total disbursements, 

Balance, , , , 

Invested in the following : — 

Assets as per Ledger Accounts 



$2,503 80 


307 73 


7,494 60 


13,340 00 


5,315 50 


11,725 35 


58,377 73 


91 15 


59,344 10 


$764,812 90 


30,800 00 


155,325 76 


69,739 08 


16,361 50 


55,451 86 



7,642 35 

5,811 10 

3,262 93 

6,149 28 

25,185 08 

23,588 67 

10,279 24 

1,459 48 

7,800 26 

25,621 28 

$1,209,290 77 



$7,043,027 64 



Cost of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral 

Premium notes or loans on policies in force, . 

Cost value of bonds owned (schedule B), 

Cash in company's office, . . . . 

Cash deposited in bank, 

Bills receivable, . . . . . . . 

Agents' debit balances, ..... 

Ledger assets, as per balance, . . 



$228,404 30 

4,639,650 00 

75,145 58 

295,544 54 

11,991 85 

1,633,290 51 

1,728 45 

131,399 66 

10,349 48 

15,523 27 

$7,043,027 64 



210 



UNITED STATES LIFE INSURANCE COMPANY. 



Other Assets. 
Interest due and accrued, ....:, 
Market value of real estate over cost, 
Market value of bonds over cost, . 



$84,534 66 
13,295 70 
29,944 07 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, .... 

Total, .... 

Deduct loading (20 per cent.) , . 

Net amount of uncollected and 
deferred premiums, 



New Business. 

$22,628 84 

9,991 31 

$32,620 15 
6,524 03 



Renewals. 

$104,059 79 

97,623 54 

$201,683 33 
40,336 67 



$26,096 12 $161,346 66 



Total assets, per company's books, . 

Items not admitted. 

Agents' debit balances, 

Bills receivable, . 

Total, . . . . . 

Total admitted assets, 
Deduct special deposits in other States, 



187,442 78 
$7,358,244 85 



Balance, 



$15,523 27 
10,349 48 



25,872 75 



Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), 
Deduct value of reinsured risks, 



Net reserve, .... 
Commissions due on premium notes, 
Matured endowments due and unpaid, 
Death losses in process of adjustment, 
Claims resisted by the company, 

Total policy claims, . 
Premiums paid in advance, 
Due for taxes, fees, salaries, expenses, etc., 
Liability on lapsed policies, 

Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 

Surplus as regards policy-holders, . 

Paid-up capital, 

Surplus over capital, . . , 

Gross liabilities 



$7,332,372 10 
131,100 00 

$7,201,272 10 



1,685,055 00 
52,480 00 



$2,120 00 
83,818 33 
19,000 00 



$582,436 50 



,632,575 00 
495 00 



104,938 33 
3,085 68 
5,621 59 
3,220 00 

5,749,935 60 
131,100 00 

1,618,835 60 

440,000 00 
142,436 50 

',201,272 10 



UNITED STATES LIFE INSURANCE COMPANY. 



211 



Premium Note Account. 

Premium notes on hand Dec. 31, 1894, 
Premium notes rec'd during 1895 (old policies), 

Total, 

Used in payment of losses and claims, . 
Used in purchase of surrendered policies, 

Voided by lapse, 

Redeemed by maker in cash, .... 

Total, 

Balance note assets Dec. 31, 1895, . 



$17,241 93 




11,762 84 






$29,004 77 


$1,418 56 


6,347 27 




307 73 




8,939 36 






17,012 92 




• • t 


$11,991 85 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1894. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 10,880 $21,688,398 00 

Endowment, . . . 1,685 3,034,722 00 

All other, . . . . 5,983 17,150,692 00 

Reversionary additions, . - 325,438 00 

18,548 $42,199,250 00 



Whole life, 
Endowment, 
All other, . 



icies issued 

. 1,182 
237 
959 


during the Year. 

$2,677,940 00 

534,800 00 

2,431,956 00 



2,378 5,644,696 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 



16 


$48,000 00 


3 


8,000 00 


154 


448,000 00 



173 



504,000 00 



Whole life, 
Endowment, 
All other, . 



Old Policies changed and increased. 



21 

6 

22 



$51,500 00 
12,000 00 
54,100 00 



49 



117,600 00 



Total, .... o ... . 21,148 $48,465,546 00 



Policies terminated during the Year. 

Whole life, . . . 1,524 $3,514,955 00 
Endowment, ... 265 500,050 00 

All other, .... 1,849 5,577,962 00 



3,638 $9,592,967 00 



212 



UNITED STATES LIFE INSUKANCE COMPANY. 



How terminated. 





Number. 


Amount. Total No. 


Total Amount. 


By death, , 


259 


$571,342 00 




maturity, 


58 


69,299 00 




expiry, 


137 


556,816 00 




surrender, . 


200 


560,310 00 




lapse, . 


. 2,471 


6,447,260 00 




change and decrease, 


41 


195,640 00 




Not taken, . 


472 


1,192,300 00 








3 639 


$9,592,967 00 






~ OjUoO 


Policies in Force Dec. 31, 1895. 




Whole life, 


. 10,575 


$20,950,883 00 




Endowment, 


. 1,666 


3,089,472 00 




All other, . 


. 5,269 


14,609,548 00 




Reversionary additions, 


— 


222,676 00 








17 ^10 


$38,872,579 00 










Schedule A. 





Securities held as Collateral. 

Market Value. 

Northern Gas Light Co., N. Y., stock, . . $19,575 00 
50 shares Central Gas Light Co., New York, . 3,750 00 

Northern Gas Light Co. bonds, 
100 shares Missouri Pacific Railway Co., 
75 shares Western Union Telegraph Co., 
Missouri Pacific R'y bonds, 
163 shares American Telegraph and Cable Co. 



66 " N. Y., Lackawanna and West. R'y 
40 " American Telegraph and Cable Co. 
16 " United N. J. R.R. and Canal Co., 
20 " Importers and Traders' Nat. Bank 
50 " Northern Gas Light Co., N. Y., 
81 " Central Gas Light Co., N. Y., . 

Manhattan R'y. Co. bonds, 

Morris and Essex R.R. bonds, . 

Wabash R R. bonds, 

Texas and Pacific R'y bonds, . 



10,000 00 
2,500 00 
6,412 50 
1,085 00 

15,159 00 
7,590 00 
3,720 00 
3,680 00 

10,400 00 
3,375 00 
6,075 00 
6,790 00 
6,975 00 
3,142 50 
820 00 



Amount Loaned. 



} $47,700 00 



145 58 
2,800 00 
7,000 00 
2,500 00 
2,000 00 
5,100 00 
5,000 00 
2,500 00 

400 00 



United States consols, 



$111,049 00 

Schedule B. 
Bonds owned by the Company. 

Cost Value. 

$60,602 55 



District of Columbia bonds, 

Jersey City bonds, 

Jersey City water scrip, .... 
New York, Lackawanna & Western R'y bonds 



131,384 40 

46,650 60 

109,342 50 

47,801 98 



,145 58 



Market Value. 

$55,000 00 
133,000 00 

52,030 00 
110,145 00 

54,680 16 



THE WASHINGTON LIFE INSURANCE CO., NEW YORK. 



213 



Oswego & Syracuse R.R. bonds, 

Chic. & North Western R'y sinking fund b'ds 

Chicago, Milwaukee & St. Paul R'y bonds, 

Missouri Pacific Railway bonds, 

Iowa Central Railway bonds, . 

St. Louis, Iron Mountain & Southern R'y bonds 

St. Louis & Iron Mountain R.R. bonds, . 

Chicago, Burlington & Quincy R'y debentures 

New York Central Railway bonds, . 

Louisville & Nashville R.R. bonds, . 

Kansas Pacific Railway bonds, 

Burlington, Cedar Rapids & Northern R'y b'ds 

Chicago, Rock Island & Pacific R'y bonds, 

Metropolitan Elevated Railway bonds, . 

East Tennessee, Virginia & Georgia R'y b'ds 

Atchison, Topeka & Santa Fe Railway bonds, 

Province of New Brunswick bonds, . 

Texas & Pacific Railway bonds, 

Michigan Central R.R. bonds, . 



Cost Value. 

$30,000 00 
99,099 32 

151,885 06 

212,496 75 
71,550 00 
35,732 88 
53,456 64 
46,195 21 

123,124 08 
38,430 00 

101,685 20 
42,000 00 

104,750 00 
14,933 31 
24,518 41 
20,904 86 
20,025 00 
17,559 26 
28,562 50 



Market Value. 

$34,250 10 

106,750 00 

169,500 00 

202,334 00 

82,424 70 

39,125 00 

49,917 00 

50,333 50 

121,934 12 

47,670 00 

72,500 00 

49,625 00 

101,500 00 

16,520 00 

26,291 75 

17,750 00 

20,600 00 

20,145 75 

29,208 50 



81,633,290 51 $1,663,234 58 



"THE WASHINGTON LIFE INSURANCE COMPANY," NEW 

YORK, N. Y. 

[Incorporated January, 1860. Commenced business Feb. 2, I860.] 
Paid-up Capital, $125,000. 

W. A. Brewer, Jr., President. William Haxtun, Vice-Pres. and Sec. 



Income. 

Received for premiums on new policies, . 
Received for renewal premiums, 
Dividends applied to pay running premiums, . 
Dividends applied to purchase paid-up additions and 
Surrender values applied to purchase paid-up insv 
annuities, ... ... 

Received for annuities, 



Total premium income, .... 

Received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 

Profit on securities sold, 



Total income, . 

Net or ledger assets Dec. 31, 1894, . 

Total, ... 



annuities, 
ranee and 



$189,532 62 

1,501,344 01 

90,112 90 

117,956 00 

162,088 59 
26,760 44 

$2,087,794 56 

585,432 05 

8,344 81 

15,668 62 

1,570 51 

$2,698,810 55 
12,874,400 53 

$15,573,211 08 



214 THE WASHINGTON LIFE INSURANCE CO., NEW YORK. 



Disbursements. 

Paid for losses and additions, . 

Paid for matured endowments and additions, . 



$892,341 12 
349,785 89 



Gross amount paid for losses and endowments, . . $1,242,127 01 

Paid to annuitants, . . 12,366 29 

Return premiums, 2,623 13 

Cash dividends applied to pay running premiums, . . . 90,112 90 
Cash dividends applied to purchase paid-up additions and an- 
nuities, . 117,956 00 

Surrender values paid in cash, 184,317 17 

Surrender values applied to purchase paid-up insurance and 

annuities, . 162,088 59 



Total paid policy-holders, ....... 

Cash jDaid for dividends to stockholders, ..... 

for commissions and bonuses to agents, new poli- 
cies, $98,279.23 ; renewals, $87,758.45 , 
for salaries and allowances to managers and agents, 

for medical examiner's fees, 

for salaries of officers and home office employees, 

for taxes on premiums, 

for taxes on reserves, 

for fees, licenses, etc., ....... 

for rent, 

for advertising, printing and postage, 

for loss on sales of property, 

for incidentals, 



Total disbursements, . 

Balance, 
Invested in the following 



.,811,591 09 
8,750 00 

186,037 68 

95,194 57 

18,534 32 

96,040 38 

14,523 36 

2,820 80 

8,814 89 

10,500 00 

33,137 95 

3,164 10 

31,667 59 



. $2,320,776 73 



$13,252,434 35 



Assets as per Ledger Accounts 



Cost of real estate, ....... 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Cost value of bonds owned (schedule B), 

Cash in company's office, . ... 

Cash deposited in bank, ...... 

Agents 1 debit balances, 



$577,409 15 

10,336,210 68 

327,000 00 

511,060 03 

688,040 21 

22,450 50 

768,445 13 

21,818 65 



Ledger assets, as per balance, 



$13,252,434 35 



THE WASHINGTON LIFE INSURANCE CO., NEW YORK. 215 



Other Assets. 

Interest due and acrued 8129,860 50 

Market value of bonds over cost, 35,759 79 

New Business. Renewals. 

Uncollected premiums on poli- 
cies in force, .... $28,612 18 870,156 62 

Deferred premiums on policies 

in force, 23,637 65 177,459 12 

Total, 852,249 83 8247,615 74 

Deduct loading (20 per cent.),. 10,449 96 49,523 15 

Net amount of uncollected and 

deferred premiums, . . $41,799 87 $198,092 59 

239,892 46 

Total assets, per company's books, • $13,657,947 10 

Items not admitted. 
Agents' debit balances, 21,818 65 

Total admitted assets, $13,636,128 45 

Deduct special deposits in other States, ..... 13,300 00 

Balance, $13,622,828 45 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent), . . . 813,055,190 00 
Death losses due and unpaid, .... $12,482 10 
Matured endowments due and unpaid, . . 9,178 01 

Death losses in process of adjustment, . . 42,027 00 

Total policy claims, . . . . . 63,687 11 

Premiums paid in advance, . 8,198 85 

Due for rents, 1,750 00 



Liabilities as to policy-holders, ..... 813,128,825 96 
Deduct liabilities on special deposits, . . . 13,300 00 



$13,115,525 96 
Surplus as regards policy-holders, . . . $507,302 49 

Paid-up capital, 125,000 00 

Surplus over capital, 382,302 49 



Gross liabilities, $13,622,828 45 



216 THE WASHINGTON LIFE INSURANCE CO., NEW YORK. 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1894. 



Whole life, 
Endowment, 
Reversionary additions, 



Number. Amount. Total No. 

15,183 $30,490,653 00 
9,460 18,200,520 00 
936,924 00 
— — 24,643 



Total Amount. 



$49,628,097 00 



Policies issued during the Year. 



Whole life, 


. 


. 3,046 


$5,196,731 00 




Endowment, 


• 


799 


1,349,707 00 
3,845 


6,546,438 00 



Old Policies revived. 



Whole life, 
Endowment, 
All other, . 

Additions by dividends, 



477 
168 



$966,972 00 

309,800 00 

12,309 00 



645 



1,289,081 00 
161,921 00 



Total, 29,133 $57,625,537 00 



Policies terminated during the Tear. 



Whole life, 
Endowment, 
All other, . 



By death, . 
maturity, 
surrender, 
lapse, . 

Not taken, . 



3,170 


$6,567,195 00 


1,198 


2,259,059 00 


- 


203,534 00 


4,368 


$9,029,788 00 


How terminated. 


369 


$874,755 00 


236 


387,845 00 


1,038 


2,423,896 00 


2,242 


4,208,543 00 


483 


1,134,749 00 



4,368 9,029,788 00 



Policies in Force Dec. 31, 1895. 



Whole life, 
Endowment, 
Reversionary additions, 



15,536 $30,087,161 00 

9,229 17,600,968 00 

907,620 00 



24,765 $48,595,749 00 



THE WASHINGTON LIFE INSURANCE CO., NEW YORK. 217 



Schedule A. 
Securities held as Collateral. 



Chicago & Ind. Coal R'y bonds, 
Chicago & Northwest R.R. bonds, . 
Chic. St. Paul, Minn. & Omaha bonds, 
1,000 shares Chicago & Eastern 111. bonds, 
500 " Chic, Rock Island & Pacific b'ds, 
200 " Chicago, M. & St. Paul R.R., 
Altoona City bonds, ...... 

Brooklyn Wh'f & Warehouse Co. bonds, 



Market Value. Amount Loaned. 

$51,000 00 ^ 
58,500 00 j 
63,500 00 ' 
98,000 00 
31,500 00 
12,800 00 J 
51,750 00 
34,155 00 



!> $250,000 00 



77,000 00 



$401,205 00 $327,000 00 



Schedule B. 
Bonds owned by the Company. 

Cost Value. 



United States bonds, . 
New York City bonds, 
Brooklyn water loan bonds, 
Richmond, Va., city bonds, 
Havana municipal bonds, 



$343,500 00 

225,312 50 

106,098 63 

11,230 00 

1,899 08 



Market Value 

$333,000 00 

247,500 00 

130,000 00 

11,230 00 

2,070 00 



$688,040 21 $723,800 00 



ACCIDENT AND GUARANTEE 

COMPANIES. 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements for the Year ending 

December 31, 1895. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



" iETNA LIFE INSURANCE COMPANY," HARTFORD, CONN. 
[accident department.] 

[Commenced business, accident department, Jan. 1, 1891.] 

Morgan G. Bdlkeley, President. Joel L. English, Secretary. 

Note. — As this company is doing both a life and accident business, and its assets are all held 
equally for the protection of both classes of policy-holders, the assets are therefore not divided 
for the different departments. The details of both departments are given in their respective 
places. 

Income. 



Premiums on risks written or renewed, 
Less reinsurance and return premiums, 
Net cash premiums received, , 
Interest received on mortgages, 

Total income, accident department, 
Total income, life department, . 



Gross income, . 
Net or ledger assets Dec 31, 1894, . 



Total, 



Disbursements 
Cash paid for matured claims, . 
Deduct reinsurance, ..... 
Net cash paid for matured claims, . 
Cash paid for commissions and brokerage, 

for salaries and expenses of officers 

for medical examiner's fees, 

for taxes and fees, 

for rent, .... 

for legal expenses, . 

for furniture, $2,068,98 ; advertising 
ing and stationery, $5,946.50, 

for incidentals, .... 



$285,326 98 
6,623 37 



- $278,703 61 
3,650 82 

. $282,354 43 
. 6,641,978 67 

. $6,924,333 10 

, 40,464,700 31 

$47,389,033 41 



$113,919 52 
1,660 69 



and employees, 



$795 



Total disbursements, accident department, 
Total disbursements, life department, 



Gross disbursements, 
Balance, 



16 ; print 



$112,258 83 

84,759 99 

19,200 40 

258 00 

3,286 59 

883 07 

502 00 

8,810 64 
5,635 83 

$235,595 35 
5,689,280 78 

$5,924,876 13 

$41,464,157 28 



,222 



JSTNA LIFE INSURANCE COMPANY, 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule*), 
on company's policies assigned as collateral 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule*) 

Cash in company's office, . 

Cash deposited in bank, . 

Loans on personal security, 

Agents 1 debit balances, 

Total 

Deduct agents' credit balances, 

Total net or ledger assets, as per balance, 



$492,341 96 

23,752,838 84 

429,673 14 

719,755 62 

704,471 36 

12,528,918 77 

464,543 17 

2,345,289 24 

500 00 

28,174 57 

$41,466,506 67 
2,349 39 

$41,464,157 28 



Other Assets. 
Interest due and accrued, .... 
Market value of stocks and bonds over cost, 
Gross premiums in course of collection, . 

Total assets, per company's books, . 



1,055,270 61 
662,115 53 
368,420 72 



$43,549,964 14 



Items not admitted and Depreciation. 



Agents' debit balances, 
Loans on personal security, 

Total 

Total admitted assets, 
Deduct special deposits in other States, 



Balance, 



,174 57 
500 00 



28,674 57 

$43,521,289 57 
346,154 00 

143,175,135 57 



Liabilities. 

Claims adjusted or in process, . 
Unearned premiums on outstanding risks, 

Liabilities (accident department), . 
Liabilities (life department), . . , 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



Surplus over capital, 



$18,625 19 
107,705 79 

1126,330 98 
36,628,235 31 

$36,754,566 29 
346,154 00 



36,408,412 29 

$6,766,723 28 

1,750,000 00 

$5,016,723 28 



* For schedules see life department, pp. 49 and 50. 



AMERICAN MUTUAL LIABILITY INSURANCE COMPANY. 223 
Risks and Premiums. 



Risks outstanding Dec. 31, 1894, 
Risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, * 
Deduct amount reinsured, . 

Net amount in force, 



Premiums. 

.$29,772,550 00 $126,014 80 
. 94,421,500 00 285,326 98 



$124,194,050 00 $411,341 78 
. 66,846,700 00 198,943 18 



.$57,347,350 00 $212,398 60 
773,500 00 2,836 49 



.$56,573,850 00 $209,562 11 



Miscellaneous. 

Premiums received from organization of accident department, $675,402 00 
Claims paid from organization of accident department, . 253,037 00 



AMERICAN MUTUAL LIABILITY INSURANCE COMPANY, 

BOSTON. 

[Incorporated March 30, 1887. Commenced business Oct. 1,1887.] 

Wm. C. Lovering, President. Sydney A. Williams, Secretary 

Office, 40 Water Street. 

Income. 
Premiums outstanding Dec. 31, 1894, . . . $508 49 
Premiums on risks written or renewed, . . 137,082 01 

Total, $137,590 50 

Premiums now in course of collection, . . 726 15 

Entire premiums collected, . . . $136,864 35 
Less reinsurance and return premiums, . . 3,212 71 

Net cash premiums received, . . . •■ — $133,651 64 

Interest and dividends received from all sources, . . , 4,800 86 

Total income, . . . , . . . . $138,452 50 
Net or ledger assets Dec. 31, 1894, 145,776 56 

Total, .' $284,229 06 

Disbursements. 

Cash paid for matured claims, . . . , , . , $62,392 43 

Dividends paid policy-holders, 37,986 11 

Cash paid for salaries and expenses of officers and employees, 11,773 29 

for inspections, . 3,600 04 

for taxes, 1,303 34 

for rent, .......... 660 00 

for incidentals, 3,294 12 

Total disbursements, ....,,.. $121,009 33 

Balance, , $163,219 73 



224 AMERICAN MUTUAL LIABILITY INSURANCE COMPANY. 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of stocks and bonds, as per schedule, 

Cash in company's office, 

Cash deposited in bank, 

Bills receivable, 

Corporation loans, . 

Furniture account, 

Total net or ledger assets, as per balance, 

Other Assets. 



Interest due and accrued, 

Rents due and accrued, ..... 
Market value of stocks and bonds over cost, . 
Gross premiums in course of collection, . 

Total assets, per company's books, . 

Items not admitted. 
Office furniture, etc., . . . 

Bills receivable, . . ... 

Total, 

Total admitted assets, . 

Liabilities. 
Claims adjusted or in process, . 
known or reported, 
disputed or resisted, 
Unearned premiums on outstanding risks, 

Bills payable, 

Gross liabilities, .... 

Surplus as regards policy-holders, . 



$224 60 
47 50 



$2,000 00 

3,000 00 

25,000 00 

64,426 54 

258 00 



$71,188 75 

139 13 

21,619 75 

47 50 

70,000 00 

224 60 

$163,219 73 



1,811 31 

60 00 

1,346 25 

726 15 

$167,163 44 



272 10 



,891 34 



94,684 54 
$72,206 80 



Risks and Premiums. 

Amount at Bisk. 

Risks outstanding Dec. 31, 1894, $50,102,120 00 
Risks written during 1895, . 53,901,120 00 



Contingent 
Premiums. Premiums. 

$121,074 32 $605,371 60 
137,082 01 685,410 05 



Total,. . . . $104,003,240 00 
Deduct risks expired and ter- 
minated, . . . . 50,787,120 00 



$258,156 33 $1,290,781 65 
129,303 24 646,516 20 



In force at end of year, . $53,216,120 00 $128,853 09 $644,265 45 

Miscellaneous. 

Premiums received from organization of company, . . $998,612 00 

Claims paid from organization of company, .... 409,246 00 



AMERICAN SURETY COMPANY OF NEW YORK. 



225 



Bonds, etc., owned by the Company. 



Old Colony Railroad bonds, 
Boston & Lowell Railroad bonds, . 
Burlington & Missouri River Railroad bonds 
Chicago, Burlington & Quiney Railroad bonds 
Phila., Wilmington & Baltimore R.R. bonds, 
Corporation notes, 



Cost Value. 

,837 50 
20,305 00 
4,443 75 
15,502 50 
10,100 00 
70,000 00 



Market Value. 

$21,800 00 
20,445 00 
4,950 00 
14,940 00 
10,400 00 
70,000 00 



$141,188 75 $142,535 00 



"AMERICAN SURETY COMPANY OF NEW YORK," 
NEW YORK, N. Y. 

[Incorporated April 14, 1884. Commenced business April 15, 1884.] 
Paid-up Capital, $2,500,000. 



Wm. L. Trenholm, President 



Income. 



Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, 



Total, . ... . . . 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 

Net cash premiums received, . 
Interest received on mortgages, 
Interest and dividends received from all 
Income from rents, 
Profit on securities sold, . 
Cash recovered on losses paid, „ , 

Total income, .... 
Net or ledger assets Dec. 31, 1894, . 
Increase of capital and surplus, » . 



other 



Total, 



v $297,071 55 
32,739 18 



Disbursements 
Cash paid for matured claims, . . . ■ , . 
Deduct salvage and reinsurance, 

Net cash paid for matured claims, . 
Cash dividends paid, 
Cash paid for commissions and brokerage, 

for salaries and expenses of officers and employees, 
for taxes and fees, , . 



W. E. Keyes, Secretary. 

Fidelity and Surety. 

$88,865 42 
1,307,545 19 



$1,396,410 61 
151,902 56 

$1,244,508 05 
231,165 10 



sources, 



$1,013,342 95 

750 00 

45,172 20 

11,345 40 

103 65 

24,305 35 

$1,095,019 55 



$3,832,539 15 
1,000,000 00 



4,832,539 15 
$5,927,558 70 



$264,332 37 
180,000 00 

40,290 09 
311,771 37 

35,988 65 



226 AMEBIC AN SURETY COMPANY OF NEW YOEK. 

Cash paid for rent, $25,314 96 

for legal expenses, ....... 10,309 60 

for real estate expenses, 12,448 43 

for furniture, fixtures, advertising, etc., . . . 25,848 83 

for losses on securities, etc., 24,180 25 

Borrowed money repaid, 275,000 00 

Collateral and trust fund, . 7,982 17 

Cash paid for incidentals, . . . . . . . 18,052 15 

Total disbursements, $1,231,518 87 

Balance, . $4,696,039 83 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, ' . $3,152,175 52 

Loans on mortgage of real estate (first liens), . . . 15,000 00 

Loans on collateral security (schedule A), . . , 26,000 00 

Cost value of stocks and bonds owned (schedule B), . 1,021,985 62 

Cash in company's oiiice, . 10,830 98 

Cash deposited in bank, . . . . . . . . 73,576 46 

Bills receivable, 72,561 26 

Secured judgments against T., St. L. & Ks. City R.R., . . 323,909 99 

Total, . $4,696,039 83 

Other Assets. 

Interest due and accrued, . . . . . , . . 42,444 ,89 

Market value of stocks and bonds over cost, .... 85,540 63 

Gross premiums in course of collection, . , . - . . 151,902 56 

Total assets, per company's books, ..... $4,975,927 91 

Items not admitted. 
Excess of loan over market value, . . . . . . 6,500 00 

Total admitted assets, $4,969,427 91 

Deduct special deposits in other States, . . . 146,466 60 

Balance, . . . . $4,822,961 31 

Liabilities. 

Claims adjusted or in process, .... $129,915 66 
Claims disputed or resisted, .... 94,353 43 

Total amcfunt Of claims, .... f 224,269 09 



AMERICAN SURETY COMPANY OF NEW YORK. 



227 



Unearned premiums on outstanding risks, 
Due for borrowed money, 
Collateral and trust funds, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, 
Paid up capital, .... 



Surplus over capital, 



$568,999 06 

100,000 00 

14,137 02 



$907,405 17 
34,734 96 



Risks and Premiums. 
Fidelity and Surety. 



Bisks outstanding Dec. 31, 1894, 
Risks written during 1895, . - . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$153,514,313 00 

206,377,180 00 

$359,891,493 00 

173,853,011 00 



$872,670 21 

$3,950,291 10 
2,500,000 00 

$1,450,291 10 



Premiums. 

1,817 17 
1,307,535 19 

^2,264,352 36 
1,146,869 84 



$186,038,482 00 $1,117,482 52 



Miscellaneous. 

Premiums received from organization of company, . . $5,515,178 00 

Claims paid from organization of company, .... 1,839,894 00 

Cash dividends declared from organization of company, , 900,000 00 

Claims incurred during the year, ...... 400,487 00 

Company's stock owned by directors, 1,088,800 '00 

Schedule A. 
Securities held as Collateral. 

Market Value. Amount Loaned. 

100 shares Atlantic City Sewerage Company, . $10,000 00 $5,000 00 

600 shares Toledo, St. Louis & Kansas City R.R., - 6,500 00 



Lonsdale Beaumont Water Company bonds, . 

Schedule B. 

Slocks and Bonds owned by the 

300 shares Delaware & Hudson Canal Co.; 

393 " Mechanics National Bank, 
2,570 " The State Trust Company, 

100 " Lawyers Mortgage Insurance Co., 

250 " Maryland Trust Company, 
10 " Philadelphia Bourse, 
United States bonds, ..... 
Missouri, Kansas & Texas Railroad bonds, 
Louisville, St. Louis & Texas Railroad bonds, 



27,000 00 21,000 00 



$37,000 00 $32,500 00 



Company. 

Cost Value. 

$39,937 '50 
18,755 00 

398,752 50 

12,500 00 

25,000 00 

500 00 

472,834 37 
27,606 25 
26,100 00 



Market Value. 

$37,200 00 
18,176 25 

514,000 00 

12,500 00 

25,000 00 

500 00 

445,000 00 
29,050 00 
26,100 00 



$1,021,985 62 $1,107,526 25 



228 THE CITY TRUST SAFE DEPOSIT AND SURETY CO. OF PHIL A. 



"THE CITY TRUST SAFE DEPOSIT AND SURETY COMPANY 
OF PHILADELPHIA," PHILADELPHIA, PA. 

[Incorporated June 4, 1886. Commenced business June 4, 1886.] 

Paid-up Capital, $500,000. 

Chakles M. Swain, President. James F. Lynd, Secretary. 

Income. 



Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 

Net cash premiums received, . 
Interest received from all sources, . 
Received from all other sources, • 



Total income, . . . , 
Net or ledger assets Dec. 31, 1894, . 



Total, 



Disbursements 
Cash paid for matured claims, . 
Deduct salvage and reinsurance, 

Net cash paid for matured claims, . 
Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries and expenses of officers 

for taxes and fees, . 

for legal expenses, . . . 

for incidentals, . 

Total disbursements, .... 
Balance, ...... 



Surety. 

$7,376 03 
109,209 95 

$116,585 98 
13,132 34 

$103,453 64 
7,565 65 



$12,888 23 
3,727 77 



• • c 

and employees, 



< i 



• • 



Invested in the following : — 

Assets as per Ledger Accounts. 
Loans on mortgage of real estate (first liens), . , , 
Cost value of stocks and bonds owned (schedule A), . . 
Interest on deposit with Pennsylvania Insurance Department, 
Due from trust department for premiums collected, . . 

Total net or ledger assets, as per balance, . t 



,887 99 

7,105 80 

473 49 



$103,467 28 
301,643 19 



,110 47 



$9,160 46 
12,000 00 
3,200 08 
43,217 48 
2,330 23 
5,399 95 
4,763 86 



,072 06 



$325,038 41 



$6,000 00 

215,855 00 

7,105 80 

96,077 61 

$325,038 41 



THE CITY TRUST SAFE DEPOSIT AND SURETY CO. OF PHIL A. 229 



Other Assets. 
Gross premiums in course of collection, . 

Total assets, per company's books, . 
Deduct depreciation from cost of assets, . 



Total admitted assets, 



Liabilities. 



$13,132 34 

$338,170 75 
1,880 00 

$336,290 75 



Claims adjusted or in process, . 

reported, 

disputed or resisted, 

Total amount of claims, . . . 
Less reinsurance, ..... 

Net amount of unpaid claims, . 
Unearned premiums on outstanding risks, 
Due and accrued for advertising, etc., 

Due for reinsurance, 

Commissions and brokerage, . . ' . 

Gross liabilities, except capital, 



Surplus as regards surety policy-holders, 

Risks and Premiums. 

Risks outstanding Dec. 31, 1894, 
Risks written during 1895, 



$156 69 
5,591 21 
4,400 00 

$10,147 90 
2,795 60 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



$7,352 30 




70,891 42 




200 00 




112 50 




195 43 






78,751 65 




■ • » 


$257,539 10 




Premiums. 


29,441,029 00 


$124,642 19 


31,694,282 00 


109,209 95 



$61,135,311 00 

24,100,780 00 



$37,034,531 00 
1,365,415 00 



$233,852 14 
86,928 90 

$146,923 24 
5,140 39 



. $35,669,116 00 $141,782 85 



Schedule A. 
Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

City of Pittsburg bonds, . . . « . . $20,700 00 $20,460 00 

City of Erie bonds 13,455 00 13,520 00 

Borough of South Chester bonds, . . . 16,320 00 16,480 00 

City of Williamsport bonds, .... 9,300 00 9,000 00 

County of Allegheny bonds, . . ... 29,705 00 29,770 00 

City of Allegheny bonds, . . . . . •. , 1,027 50 1,080 00 



23.0 



CONVEYANCERS TITLE INSURANCE COMPANY. 



Borough of South Bethlehem bonds, 

Philadelphia & Erie R.R. Co. bonds, 

Lehigh Coal & 'Nav. Co. bonds, 

City of Pittsburg bonds, . 

City of Philadelphia bonds, . 

Pitts., Cincinnati & St. Louis R.R. bonds, 



Cost Value. 

$17,340 00 

8,102 50 

6,562 50 

13,605 00 

62,302 50 

17,435 00 



Market Value. 

$17,340 00 

8,260 00 

6,600 00 

11,920 00 

62,110 00 

17,435 00 



$215,855 00 $213,975 CO 



CONVEYANCERS TITLE INSURANCE COMPANY, BOSTON. 

[Incorporated Jan. 31, 1889. Commenced business March 18, 1889.] 
Paid-itp Capital, $200,000. 

Frederick C. Bowditch, President. James R. Carret, Secretary. 

Henry H. Edes, Treasurer and Manager. 

Office, 28 Stale Street. 



Detailed Statement of Stocks. 
100 shares Third National Bank, 



Par Value. 

$10,000 00 



Summary of Assets Dec. 31, 1895. 

Loans on mortgage of real estate, . . . $188,466 57 

Interest accrued thereon, ...... 1,730 42 

Stocks as per schedule, ,_ . . . . . 8,900 00 

Cash in office of the company, .... 388 60 

Cash deposited in bank, 39,232 27 

Gross assets, ...... 

Income. 

Received from premiums, .... $5,256 00 

from searches, 12,422 95 

from commissions, .... 8,212 86 
Interest and dividends received from all 

sources (net), 15,382 02 

Recovered from the city of Chelsea (in com- 
promise) on account of loss, .... 160 04 
Gross cash income, 

Expenditures. 

Cash dividends paid $8,000 00 

Cash paid for salaries of officers and em- 
ployees, 14,951 14 

for counsel fees, . . . . . 4,716 31 

for commissions and brokerage, . 573 95 

for advertising, . , . . 236 50 

for office rent, 850 00 

for general expense and incidentals, 3,020 83 

Gross cash expenditures, . . , . . . 



Market Value. 

$ 8,900 00 



$238,717 86 



$41,433 87 



$32,348 73 



THE EMPLOYERS' LIABILITY ASSURANCE CORPORATION, L't'd. 231 



Miscellaneous. 

Amount of policies issued during the year, . . . .$1,499,850 00 
of mortgages bought during the year, . . . 1,700,851 00 
of mortgages sold during the year, .... 1,622,934 00 

Capital stock, at par, owned by the directors (27 \ per cent), 55,500 00 



UNITED STATES BRANCH OF "THE EMPLOYERS 1 LIABILITY 
ASSURANCE CORPORATION, LIMITED," LONDON, ENG. 

Deposit Capital, $200,000. 

1 Geo. M. EndicOtt, Attorney. 

Office, 71 Kilby Street, Boston. 

Income. 

Ace. and Emp. Liab. Fidelity. 

Prem's outst'd'g Dec. 31, 1894, . $238,386 22 $ 2,869 34 

Prem's written or renewed, . 1,081,683 42 28,383 66 



Total, $1,320,069 64 $31,253 00 

Preni's in course of collection, . 237,984 13 5,601 70 



Entire premiums collected, $1,082,085 51 $25,651 30 
Less reins, and return prem's, . 136,887 18 3,598 04 



Net cash premiums ree'd, . $945,198 33 $22,053 26 



$967,251 59 

Interest and dividends received from all sources, . . . 35,826 91 



Total income, $1,003,078 50 

Net or ledger assets Dec. 31, 1894* .... . . . 948,326 40 



Total, $1,951,404 90 

Disbursements. 

Ace. and Emp. Llab. Fidelity. 

Cash paid for matured claims, . $607,083 86 $1,132 06 



— $608,215 92 

Cash paid for commissions and brokerage 208,854 99 

for salaries and expenses of officers and employees, 62,084 30 

for taxes and fees,. . . 19,810 28 

for rent, etc., . . . . . . . . 17,975 63 

for legal and real estate expenses, .... 4,493 63 



232 the employers' liability assurance corporation, l't'd. 

Cash paid for incidentals, $47,474 96 

Remitted to home office, . . 47,252 76 

Total disbursements, $1,016,162 47 

Balance, $935,242 43 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of stocks and bonds owned (schedule A), . . $914,474 00 
Cash in company's office, ........ 750 00 

Cash deposited in bank, . . 20,018 43 

Total, $935,242 43 

Other Assets. 

Interest due and accrued, ........ $6,797 50 

Gross premiums in course of collection, ..... 238,533 76 

Total assets, per company's books, . . . . $1,180,573 69 

Items not admitted and Depreciation. 

Cash not in control of trustees, . . $772 79 

Depreciation from cost of assets, . . . 60,074 00 

Total, ........ — 60,846 79 

Total assets . $1,119,726 90 

Deduct special deposits in other States, 56,500 00 

Balance, $1,063,226 90 

Liabilities. 

Claims adjusted or in process, . . . . $233,830 00 
Claims disputed or resisted, ... . 15,295 00 

Total amount Qf claims, ..... . $249,125 00 

Unearned premiums on outstanding risks, . 458,215 5Q 
Commissions and brokerage, .... 44,588 00 

Gross liabilities, except capital, . . $751,928 56 
Deduct liability on special deposits, . . 20,990 12 

730,938 44 

Surplus as regards policy-holders, ..... $332,288 46 
Paid-up capital, 200,000 00 

Surplus over capital, ........ $132,288 46 



THE EMPLOYERS' LIABILITY ASSURANCE CORPORATION, l't'd. 233 



Risks and Premiums. 
Accident and Employers' Liability. 



Risks outstanding Dec. 31, 1894, 
Risks written during 1895, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 



Premiums. 

$184,967,241 00 $822,298 85 
243,353,769 00 1,081,683 42 



$428,321,010 00 $1,903,982 27 
224,548,230 00 998,325 47 



$203,772,780 00 $905,656 80 



Risks outstanding Dec. 31, 1894, 
Risks written during 1895, 



Fidelity. 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . . 



Losses incurred during the year, 



$4,546,000 00 
6,386,324 00 


$20,148 52 
28,383 66 


$10,932,324 00 
5,380,984 00 


$48,532 18 
23,859 56 


$5,551,340 00 

EOUS. 

• • ■ • • 


$24,672 62 
$628,236 00 



Schedule A. 
Bonds owned by the Company. 



Atchison R.R. bonds, .... 
Aroostook County bonds, .... 
Baltimore & Ohio Railroad bonds, . 
City of Lynn bonds, . . . . 
City of Los Angeles bonds, o . 

Dexter & Piscataquis Railroad bonds, 
Eastern Railroad bonds, .... 
Maine Central bonds, . . c . 

N. Y. Central & H. R. Railroad bonds, . 
Oregon Railroad & Navigation Co. bonds, 
Pennsylvania Railroad bonds, . 
Town of Andover bonds, . 
Town of Canton bonds, . 
United States registered bonds, 
City of Buffalo bonds, 
West End Railway bonds, 
City of Providence bonds, 
Philadelphia, Wil. & Baltimore R.R. bonds, 
City of Springfield bonds, 
Boston & Maine Railroad bonds, 
City of Portland, Ore., W. L bonds, 
Fort Street Union Depot Company bonds, 



Cost Value. 

$25,250 00 

5,025 00 
28,015 00 
54,562 50 
25,961 25 
50,750 00 

6,062 50 

8,525 00 
27,237 50 
17,464 00 

5,600 00 
66,150 00 

5,450 00 

316,062 50 

52,000 00 

52,000 00 

4,290 00 
50,375 00 

5,093 75 
15,750 00 
67,350 00 
25,500 00 



Market Value. 

$16,880 00 

5,000 00 
28,080 00 
52,250 00 
25,000 00 
50,000 00 

5,900 00 

7,420 00 
24,000 00 
17,280 00 

5,800 00 
61,800 00 

5,200 00 

276,500 00 

50,250 00 

52,250 00 

4,440 00 
51,000 00 

5,400 00 
17,250 00 
67,200 00 
25,500 00 



$914,474 00 $854,400 00 



234 THE FIDELITY AND CASUALTY CO. OF NEW YORK. 



"THE FIDELITY AND CASUALTY COMPANY OF NEW YORK," 

NEW YORK, N. Y. 

[Incorporated March 20, 1876. Commenced business May 1, 1876.J 

Paid-up Capital, $250,000. 

George F. Seward, President. Robert J. Hillas, Secretary. 

Income. 

Cash received for accident risks, 

Deduct reinsurance and return premiums, 

Net cash received for accident risks, 
Cash received for burglary risks, 
Deduct reinsurance and return premiums, 

Net cash received for burglary risks, 
Cash received for employers 1 liability risks, 
Deduct reinsurance and return premiums, 

Net cash rec'd for employers' liab. risks, 
Cash received for fidelity risks, 
Deduct reinsurance and return premiums, 

Net cash received for fidelity risks, . 
Cash received for plate-glass risks, . 
Deduct reinsurance and return premiums, 

Net cash received for plate-glass risks, 
Cash received for steam-boiler risks, 
Deduct reinsurance and return premiums, 

Net cash received for steam-boiler risks, 
Interest and dividends received from all sources, 
Income from rents, . 
Profit on securities sold, .... 



Total income, 
Net or ledger assets Dec. 31, 1894, . 



Total, 



'Disbursements 
Cash paid for accident claims, . 
Deduct rebate and reinsurance, 

Net cash paid for accident claims, . 
Cash paid for burglary claims, . . 
Deduct amount recovered, 

Net cash paid for burglary claims, . 
Net cash paid for employers' liability claims, 
Cash paid for fidelity claims, . . 
Deduct amount recovered, . 

Net cash paid for fidelity claims, . 
Cash paid for plate-glass claims, . , 
Deduct salvage and reinsurance, 

Net cash paid for plate-glass claims, 
Net cash paid for steam-boiler claims, 



$1,146,694 46 
317,406 85 

$95,020 29 
20,000 97 

$1,104,153 44 
223,627 87 

$306,574 76 
78,041 03 

$316,822 42 
54,470 90 

$284,015 70 
58,775 10 



$829,287 61 



75,019 32 



880,525 57 



228,533 73 



262,351 52 



225,240 60 

70,065 12 

32,245 19 

410 21 



. $2,603,678 87 
. 1,859,805 57 



t,463,484 44 



$326,308 01 
5,765 92 

$7,048 06 
305 35 



,721 05 

29,645 77 

$93,181 93 
11,864 96 



$320,542 09 



6,742 71 
433,006 50 



38,075 28 



81,316 97 
30,969 55 



THE FIDELITY AND CASUALTY CO. OF NEW YORK. 



235 



Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries and expenses of officers and employees 

for medical examiner's fees, 

for inspections, 

for taxes and fees, . 

for rent, . 

for legal expenses, . 

for furniture and fixtures 

for advertising, printing, 

for incidentals, . 
Borrowed money repaid, . ; . 



Total disbursements, 



Balance, 



etc., 



Invested in the following; : — 

Assets as pee Ledger Accounts 

Cost value of real estate, 

Cost value of stocks and bonds owned (schedule A), 

Cash in company's office, 

Cash deposited in bank, . ... 

Bills receivable, 

Agents' debit balances, . . . . . . , . , . 

Total net or ledger assets, as per balance, 

Other Assets. 
Interest due and accrued, .... 
Rents due and accrued, . . . 
Market value of real estate over cost, 
Reserve reinsurance deposit, . 

r Accident, . 



Premiums in course of 
collection (gross), 



Burglary, . 
Employers 1 liability, 
Fidelity, . 
Plate-glass, 
c Steam-boiler, . 



Total assets, per company's books, . 



Items not admitted and Depreciation. 



Agents' debit balances, 
Bills receivable, 

Depreciation from cost of assets, 
Total, . . . . 



Total admitted assets, 
Deduct special deposits in other States, . 

Balance, , . ...... 



$22,985 54 

7,204 82 

19,501 31 



$40,000 00 

665,249 55 

436,542 44 

2,407 17 

94,318 71 

45,620 94 

53,102 75 

13,025 25 

12,884 18 

38,963 86 

70,823 08 

31,724 00 

>,415,315 03 

1,048,169 41 



$554,634 73 

1,393,251 16 

28,312 65 

41,780 51 

7,204 82 

22,985 54 

2,048,169 41 



735 01 

1,920 15 

24,825 76 

7,808 41 

176,791 78 

4,502 59 

135,126 00 

21,850 41 

35,418 03 

44,659 47 

J,501,807 02 



49,691 67 

!,452,115 35 
43,150 00 



. $2,408,965 35 



236 THE FIDELITY AND CASUALTY CO. OF NEW YOKK. 



Unearned premiums on 
outstanding risks, 



Liabilities. 

Claims adjusted or in process, . 
known or reported, 
disputed or resisted, 

f Accident, 
Burglary, 

Employers' liability 
Fidelity, . 
Plate-glass, 
Steam-boiler, . 
Commissions and brokerage, . 
Due for reinsurance, . . .-.■•. 
Bills payable, 

Gross liabilities, except capital, , 
Deduct liability on special deposits, . 



Surplus as regards policy-holders, . 
Paid-up capital, ..... 



$140,987 33 

16,671 45 

251,888 78 

423,374 40 

39,684 54 

452,577 08 

116,035 57 

130,894 85 

180,062 63 

111,029 63 

5,742 10 

14,171 73 

$1,883,120 09 
43,150 00 



$1,839,970 09 

$568,995 26 
250,000 00 



Surplus over capital, , , $318,995 26 



Accident risks in force Dec. 31, 1894, 
Accident risks written or renewed during 
the year, . . . 

Total, 

Risks terminated during the year, . 



Deduct risks reinsured, 

In force Dec. 31, 1894, 

Burglary risks in force Dec. 31, 1894, 
Burglary risks written or renewed during 
the year, 

Total,. . . . . 
Risks terminated during the year, . 

In force Dec. 31, 1895, . 



Risks and Premiums. 

Premiums. 

$161,216,268 00 $748,547 57 



. 307,413,440 00 1,156,142 88 



$468,629,708 00 $1,904,690 45 
259,163,973 00 1,062,922 13 



$209,465,735 00 $841,768 32 
10,000 00 42 00 



$209,455,735 CO $841,726 32 
. $7,399,752 00 $53,015 51 
. 12,962,277 00 92,727 63 



.$20,362,029 00 $145,743 14 
. 9,288,652 00 66,654 07 



.$11,073*377 00 $79,089 07 



THE FIDELITY AND CASUALTY CO. OF NEW YORK. 237 



Employers' liability risks in force Dec. 31, Premiums. 

1894, $101,541,308 00 $853,176 77 

Employers' liability risks written or renewed 



during the year, . 

Total, 

Risks terminated during year, . 

In force Dec 31, 1895, 



138,990,405 00 1,106,506 85 



$240,531,713 00 $1,959,683 62 
120,137,308 00 1,056,811 05 



Fidelity risks in force Dec. 31, 1894, 

Fidelity risks written or renewed during the 



$120,394,405 00 $902,872 57 
$39,304,529 00 $233,796 56 



year, 



51,496,838 00 296,204 75 



Total, ...... i 

Risks terminated during year, . . , 

Deduct risks reinsured, , » , 

In force Dec. 31, 1895, . . . 

Plate-glass risks in force Dec. 31, 1894, . 
Plate-glass risks written or renewed during 
the year, ...... 



,801,367 00 $530,001 31 
51,118,456 00 296,605 16 



$39,682,911 00 $233,396 15 
236,500 00 1,235 00 



$39,446,411 00 $232,161 15 
$9,627,590 00 $276,990 15 

11,702,748 00 313,891 82 



$21,330,338 00 $590,881 97 
11,502,976 00 329,023 75 



Total, . . . . . , , 
Risks terminated during year, . , , 

In force Dec. 31, 1895, 

Steam-boiler risks in force Dec. 31, 1894, 
Steam-boiler risks written or renewed during 
the year, . . . . . . 74,211,076 00 



$9,827,362 00 $261,858 22 
$75,290,208 00 $347,818 69 

282,788 94 



Total, 

Risks terminated during year, . 



$149,501,284 00 $630,607 63 
69,775,975 00 267,508 03 



In force Dec. 31, 1895, . . . $79,725,309 00 $363,099 60 

Miscellaneous. 
Premiums received from organization of company, 



Claims paid from organization of company, . 
Cash dividends declared from organization of company 
Claims incurred during the year, .... 
Company's stock owned by directors, 



$17,400,979 00 

6,391,178 00 

322,500 00 

910,653 00 

101,500 00 



Schedule A. 
Slocks and Bonds owned by the Company. 

Cost Value. 

$100,250 00 



City of New York bonds, . 

City of Richmond, Va., bonds, . 

350 shares Chicago & Alton Railway, 

300 " Western Union Telegraph Co., 

300 " Lake Shore & Michigan South., 



12,600 00 
47,031 25 
25,025 00 
37,750 00 



Market Value. 

$88,000 00 
11,750 00 
53,550 00 
25,650 00 
41,700 00 



238 



FIDELITY AND DEPOSIT COMPANY OF MARYLAND. 



350 shares N. Y., Lackawanna & Western, 
1,000 " Pittsburgh, McKeesport & Youg. 
1,000 " Pennsylvania R R., . 
517 " Morris & Essex Ext. R.R., . 
200 " United New Jersey Railroad, 
300 " Rome, Watertown & Ogden. R.R. 
300 " St. Paul & Duluth Railroad, 
300 " Consol. Gas Co. of New York, 
250 " Cleve., Cinn., Chic. & St. L. R.R. 
300 " Chicago & North Western R'y, 
500 " St. Paul, Minn. & Manitoba R.R. 
300 " Chicago, Mil. & St. Paul Railway 
200 " Chic , St. Paul, Minn. & Oma, R.R. 
300 " Chic. & North Western R'y Co., 
300 " Chicago & East Illinois R.R. Co. 
300 " Manhattan Railway Co., t . 
200 " Delaware & Hudson Canal Co., 
United States bonds, , <■ . 

State of Indiana bonds, .... 
Chicago, Rock Island & Pacific R.R. bonds, 
Western Union Telegraph Company bonds, 
Central Ohio Railroad bonds, . 
Wabash Railroad bonds, . , . 

Cinn., Ind., St. Louis & Chicago R.R. bonds, 
Central Railroad of New Jersey bonds, . 
Lake Erie & Western Railroad bonds, 
Brooklyn & Montauk Railroad bonds, 
Pitts , Clev. & Toledo Railroad bonds, 
Canada Southern Railway bonds, 
Chesapeake & Ohio Railway bonds, 
Kings County Elevated Railway bonds, . 



Cost Value. 

$31,950 00 
60,875 00 
53,887 50 
49,622 50 
45,243 75 
33,050 00 
30,600 00 
31,737 50 
24,100 00 
33,500 00 
56,687 50 
35,725 00 
23,950 00 
42,000 00 
29,100 00 
37,250 00 
26,700 00 

193,768 75 
50,750 00 
26,421 88 
25,000 00 
25,000 00 
25,500 00 
23,625 00 
25,625 00 
25,996 53 
27,434 00 
22,050 00 
26,445 00 
17,000 00 
10,000 00 



Market Value. 

$40,950 00 
65,500 00 
52,000 00 
50,407 50 
47,400 00 
35,400 00 
25,500 00 
44,100 00 
20,750 00 
29,400 00 
55,000 00 
37,800 00 
23,300 00 
43,350 00 
29,400 00 
30,600 00 
24,600 00 

170,650 00 
49,500 00 
25,750 00 
26,875 00 
25,250 00 
25,812 50 
23,750 00 
29,000 00 
29,000 00 
26,875 00 
23,100 00 
27,500 00 
18,700 00 
7,000 00 



$1,393,251 16 $1,384,870 00 



"FIDELITY AND DEPOSIT COMPANY OF MARYLAND," 

BALTIMORE, MD. 

[Incorporated Feb. 15, 1890. Commenced business June, 1890.] 
Paid-up Capital, $750,000. 

Edwin Warfield, President. Herman E. Bosler, Secretary. 

Income. 
Premiums outstanding Dec. 31, 1894, 

Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, . 
Less reinsurance and return premiums, 
Net cash premiums received, . 



Surety. 

},235 64 
349,500 47 



|371,736 11 

48,342 30 

$323,393 81 

10,300 71 



$313,093 10 



FIDELITY AND DEPOSIT COMPANY OF MARYLAND. 239 

Interest and dividends received from all sources, . . . $14,885 00 

Income from rents, . . . 27,971 49 

Received from all other sources, 25,895 59 

Total income $381,815 18 

Net or ledger assets Dec. 31, 1894, . . . $801,350 26 
Increase of capital and surplus, . . . 400,000 00 

1,201,350 26 

. Total, ' $1,583,195 44 

Disbursements. 

Cash paid for matured claims, .... $53,852 21 
Deduct salvage and reinsurance, . . . 2,452 17 

Net cash paid for matured claims, . . . $51,400 04 

Cash dividends paid, . . 20,000 00 

Cash paid for commissions and brokerage, .... 46,817 99 

for salaries and expenses of officers and employees, 26,412 93 

for taxes and fees, 17,151 15 

for rent, 6,300 00 

for legal expenses, 690 00 

for advertising, printing and stationery, . . 13,871 71 

for incidentals, 29,117 54 

Total disbursements, . . . . . . . . $211,76136 

Balance, ... $1,371,434 08 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, ........ $575,532 57 

Value of bonds owned (schedule A), 698,255 00 

Cash in company's office, 5,196 51 

Cash deposited in bank, 92,450 00 

Total, ■«."..-. . . .$1,371,434 08 

Other Assets. 
Gross premiums in course of collection, . . . , , 48,342 30 

Total assets, per company's books, $1,419,776 38 

Deduct special deposits in other States, . . . . . 68,375 00 

Balance, $1,351,401 38 



240 



FIDELITY AND DEPOSIT COMPANY OF MARYLAND. 



Liabilities. 

Claims adjusted or in process, . 
Claims known or reported, 

Total amount of claims, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities except capital, , 
Deduct liability on special deposits, . 

Surplus as regards policy-holders, 
Paid-up capital, . . 



Surplus over capital, 



$1,887 27 
20,342 18 

$22,229 45 

175,762 17 

7,194 24 

$205,185 86 
13,396 76 



$191,789 10 

1,159,612 28 

750,000 00 

$409,612 28 



Risks and Premiums. 

Premiums. 

Risks outstanding Dec. 31, 1894, . . . $42,454,608 00 $ 194,865 69 
Risks written during 1895, ... . . 75,133,430 00 349,500 47 



Total 

Deduct risks expired and terminated, 

In force at end of year, . , 



$117,588,038 00 $544,366 16 
41,852,031 00 192,841 83 

.$75,736,007 00 $351,524 33 



Miscellaneous. 

Premiums received from organization of company, 

Claims paid from organization of company, . 

Cash dividends declared from organization of company, 

Claims incurred during the year, 

Company's stock owned by directors, .... 



$760,122 00 

89,868 00 

20,000 00 

67,302 00 

366,400 00 



Schedule A. 
Bonds owned by the Company. 



City of Frederick, Md., bonds, . . 

City of Westminster, Md., bonds, , ' . 

City and Suburban Railway Company bonds, 

Consolidated Gas Company bonds, . 

City of Petersburg, Va., bonds, . 

Baltimore city bonds, 

City of Richmond, Va., bonds, . 

Lucas County, Ohio, court house bonds, , 

State of Tennessee bonds, , , 



Cost Value. 

$21,000 00 
25,000 00 
30,000 00 
25,000 00 
25,000 00 

460,000 00 
25,000 00 
30,000 00 
30,000 00 



Market Value. 

$21,420 00 
25,000 00 
33,000 00 
26,250 00 
26,750 00 

484,435 00 
25,000 00 
30,000 00 
26,400 00 



$671,000 00 $698,255 00 



THE GUARANTEE COMPANY OF NORTH AMERICA. 



241 



UNITED STATES BRANCH OF "THE GUARANTEE COMPANY 
OF NORTH AMERICA," MONTREAL, CAN. 

Deposit Capital, $200,000. 

Edward Rawlins, President. Robert Kerr, Secretary. 

Income. 

Premiums outstanding Dec. 31, 1894, . . $8,238 67 

Premiums on risks written or renewed, . . 226,511 50 

Total, $234,750 17 

Premiums now in course of collection, . . 8,689 15 

Entire premiums collected, . . . $226,061 02 
Less reinsurance and return premiums, . . 52,910 53 

Net cash premiums received, . . . $173,150 49 

Interest and dividends received from all sources, . . . 18,962 92 
Income from rents, 781 90 

Total income, $192,89531 

Net or ledger assets Dec. 31, 1894, 528,428 81 

Total, $721,324 12 



$65,177 92 
24,865 59 



Disbursements. 

Cash paid for matured claims, .... 
Deduct salvage and reinsurance, 

Net cash paid for matured claims, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries and expenses of officers and employees 

for inspections, . 

for taxes and fees, . 

for rent, . 

for legal expenses, . 

for incidental expenses, 

for profit and loss, . 



Total disbursements, $163,384 92 



,312 33 

6,957 00 

2,276 00 

48,685 89 

33,024 84 

5,945 78 

7,545 01 

2,226 16 

14,223 64 

2,188 27 



Balance, . $557,939 20 

Invested in the following : ■ — 

Assets as per Ledger Accounts. 

Cost value of real estate, . . $38,561 33 

Loans on mortgage of real estate (first liens), . . . 7,807 92 

Cost value of stocks and bonds owned (schedule A), . 480,715 00 

Cash deposited in bank, 28,322 95 

Furniture, etc., . . . 2,532 00 



Total net or ledger assets, as per balance, 



$557,939 20 



242 



THE GUARANTEE COMPANY OF NORTH AMERICA. 



Other Assets. 



Interest due and accrued, .... 
Gross premiums in course of collection, . 

Total assets, per company's books, . 



$3,380 00 
8,689 15 

$570,008 35 



Items not Admitted and Depreciation. 



Stocks and bonds, 
Real estate, 
Loans on mortgages, 
Cash in bank, . 
Furniture and safes, . 
Depreciation from cost of assets, 
Total, ..... 



i Not in control of 
I Trustees, . . 1 
J I 



Total admitted assets, 
Deduct special deposits in other States, 



179,850 00 

34,099 54 

5,780 00 

28,322 95 

2,278 80 

8,267 91 



158,599 20 



$411,409 15 
16,140 00 



Balance, $395,269 15 



Liabilities. 

Claims adjusted or in process, . 
Claims disputed or resisted, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, 
Paid-up capital, . . . . 



Surplus over capital, 



$14,634 20 

85,000 00 

89,469 53 

2,088 36 

490 88 

$191,682 97 
9,266 95 



182,416 02 

|212,853 13 
200,000 00 

$12,853 13 



Risks and Premiums. 

Premiums. 

Risks outstanding Dec. 31, 1894, . . . $44,764,205 00 $224,355 47 

. 47,314,040 00 226,511 50 



Risks written during 1895, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



>,078,245 00 $450,866 97 
. 49,451,735 00 237,140 81 



.$42,626,510 00 $213,726 16 
. 6,987,210 00 34,787 09 



. $35,639,300 00 $178,939 07 



THE GUARANTORS LIABILITY INDEMNITY CO. OF PA. 243 



Miscellaneous. 
Claims incurred during the year, 



69,559 00 



Schedule A. 
Stocks and Bonds owned by 



United States bonds, 

City of Richmond, Va., bonds, . 

City of Toronto bonds, 

Montreal Harbor bonds, . 

Lake Erie & St. Louis Railroad bonds, 

Canada Southern Railway bonds, 

City of Brooklyn, N.Y., bonds, 

United States Guarantee Co. stock, . 

Philadelphia Bourse stock, 

Western Union Telegraph Co. stock, 

Montreal Telegraph Co. stock, 



the Company. 

Cost Value. 

$112,400 00 

16,150 00 

10,900 00 

19,535 00 

1,830 00 

10,500 00 

105,600 00 

149,100 00 

200 00 

17,300 00 

37,200 00 



Market Value. 

^110,400 00 
16,140 00 
10,800 00 
19,470 00 

10,500 00 

106,700 00 

149,100 00 

200 00 

17,000 00 

38,880 00 



$480,715 00 §479,190 00 



"THE GUARANTORS LIABILITY INDEMNITY COMPANY OF 
PENNSYLVANIA," PHILADELPHIA, PA. 

[Incorporated April 21, 1894. Commenced business May 1, 1894.] 
Paid-up Capital, $500,000. 

Thomas V. Cooper, President. William H. Knorr, Secretary. 

Income. 

Employers' Liab. Steam-boilers. 

Prem's outst'd'g Dec. 31, 1894, . $ 146,542 32 $15,955 57 
Prem's written or renewed, . 1,012,880 29 48,940 12 



Total, $1,159,422 61 $64,895 69 

Prem's in course of collection, . 125,048 56 17,902 99 



Entire premiums collected, $1,034,374 05 
Less reins, and return prem's, . 234,227 10 



$46,992 70 
9,443 97 



),146 95 $37,548 73 

Net cash premiums rec'd, . $837,695 68 

Interest received on mortgages, . . . . . 1,672 90 

Interest and dividends received from all other sources, . . 13,129 67 



244 THE GUARANTORS LIABILITY INDEMNITY CO. OF PA. 



Received from increase of capital, . 
from borrowed money, 
from western manager, . 
from profit and loss account, 

Total income, .... 
Net or ledger assets Dec. 31, 1894, . 



Total, . 



Disbursements 



$250,000 00 

150,000 00 

2,588 98 

30 60 

$1,255,117 83 
387,339 69 

$1,642,457 52 



Cash paid for claims, 

Less salvage and reinsurance, 



Net cash paid for claims, 
Cash dividends paid, 



Employers' Liab 

$438,987 95 
10,580 06 

$428,407 89 



Steam-boilers. 

$817 75 



$817 75 



Cash paid for commissions and brokerage, .... 

for salaries and expenses of officers and employees, 

for taxes and fees, 

for rent, 

for legal expenses, 

for furniture and fixtures, 

for miscellaneous, . . . ... . . 

Advanced to agents, . . 



$429,225 64 

39,902 50 

27,689 88 

70,653 82 

9,960 45 

2,657 76 

27,261 26 

3,230 84 

16,916 82 

149 07 



Total disbursements, . . . . . . . . $627,648 04 



Balance, . . . . , . . . . $1,014,809 48 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 

Loans on collateral security (schedule A), . . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Bills receivable, ... .... 

Office furniture, . . . . . ... 



$250,000 00 

111,426 36 

68,548 02 

476,803 25 

9,429 54 

80,953 50 

12,449 77 

5,199 04 



Total, $1,014,809 48 



Other Assets. 

Interest due and accrued, 

Market value of stocks and bonds, over cost, , 
Premiums in course of collection, . 

Total assets, per company's books, . 



8,867 45 

15,901 75 

142,951 55 

. $1,182,530 23 



THE GUARANTORS LIABILITY INDEMNITY CO. OF PA. 245 



Items not admitted. 



Office furniture, etc., 
Bills receivable, .... 
Excess of loan over market value, . 
Total, ...... 



Total admitted assets, . . . 
Deduct special deposits in other States, . 

Balance, ...... 



$5,199 04 

12,449 77 

765 00 



,413 81 



, $1,164,116 42 
68,780 00 

. $1,095,336 42 



Liabilities. 



Liability claims adjusted or in process, 
known or reported, 
disputed or resisted, 

Total amount of claims, . . 
Less reinsurance, 

Net amount of unpaid claims, . 
Unearned premiums on outstanding risks, 
Agents' balances, . . . 
Due for borrowed money, 
Mortgage on company's building, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, . 
Paid-up capital, 



12,744 16 

119,336 10 

19,000 00 



$141,080 26 
2,902 77 



$138,177 49 

282,982 02 

2,588 98 

50,000 00 

100,000 00 



$573,748 49 
53,947 36 



519,801 13 

$575,535 29 
500,000 00 



Surplus over capital, $75,535 29 

Risks and Premiums. 

Employers' 1 Liability. 

Premiums. 

Risks outstanding Dec. 31, 1894, . , . $13,857,300 00 $317,046 28 
Risks written during 1895, .... 96,223,600 00 1,012,880 29 



Total, $110,080,900 00 $1,329,926 57 

Deduct risks expired and terminated, . . 65,457,837 00 860,210 11 



In force at end of year, , . .. . $44,623,063 00 $469,716 46 



246 THE GUARANTORS LIABILITY INDEMNITY CO. OF PA. 



Steam Boiler. 



Risks outstanding Dec. 31, 1894, 
Risks written during 1895, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



$1,863,990 00 $19,786 43 
4,649,300 00 48,940 12 



56,513,290 00 
r,476,569 00 



,726 55 
15,708 43 



$5,036,721 00 $53,018 12 



Miscellaneous. 

Premiums received from organization of company, 
Claims paid from organization of company, . 
Cash dividends declared from organization of company, 
Claims incurred during the year, . . . 
Company's stock owned by directors, , 



Schedule 

Securities held as 

Peoples Pass. Railway bonds, . 
50 shares West End Trust, 
40 shares Wilmington Mills Co., 
The Sec. Trust & Safe Dep Co. bond, 
20 shares Jefferson Ice M'f'g Co., . 
Lake Side Railway Co. bonds, . 

50 shares Lake Side Railway Co. bonds, 

33 
100 

10 
300 
183 
140 

80 
150 



A. 

Collateral. 



Springfield, O., Railway Co,, 
Baltimore Trac. Co , 
W. Chester St. Railway, 
United Gas Imp. Co., 
National Kaolin Co., 
Chester News Co., . 
Vulcan Road Mch. Co , 
Fireside Pub. Co., . 



$1,214,579 00 

532,424 00 

40,000 00 

466,603 00 

418,500 00 



Market Value 

$2,820 00 

3,000 00 

4,000 00 

20,000 00 

2,000 00 

5,000 00 x 

600 00 I 

1,485 00 [ 

1,750 00 

400 00 J 

24,000 00 

15,555 00 

14,000 00 ^ 

4,000 00 | 

3,000 00 J 



Amount Loaned. 

$5,400 00 

3,100 00 
4,500 00 
1,650 00 



10,000 00 



20,000 00 
11,500 00 

12,398 02 



$101,610 00 $68,548 02 



Schedule B. 



Stocks and Bonds owned by the Company. 



13 shares Bay Cities Consolidated Railway, . 
42 " Brigantine Transit Co., 
30 " Lake Side Railway Co., . 
Lehigh Valley Railroad Co. bonds, . 
Pennsylvania & Northwestern Railroad bonds, 
Philadelphia & Baltimore Central R.R. bonds, 
Consolidated Traction Co. of N. J. bonds, 
Bay Cities Consolidated Railway Co. bonds, . 
Brigantine Transit Co., N. J., . 



Cost Value. 



$15,635 00 

10,000 00 

1,000 00 

105,000 00 
2,000 00 
2,980 00 



Market Value. 

$390 00 

840 00 

360 00 

15,240 00 

10,250 00 

1,025 00 

105,000 00 

2,000 00 

3,000 00 



THE HARTFORD STEAM BOILER INSPECTION AND INS. CO. 247 



Lake Side Railway Co., Pa., 
Springfield Railway Co., Ohio, 
United States bonds, . 
City of Philadelphia, Pa., bonds, 

of Brooklyn, N. Y., bonds, 

of Johnstown, Pa., bonds, 

of Scranton, Pa., bonds, . 
Toledo Park, Ohio, bonds, 
City of Gallipolis, Ohio, bonds, 
City of Wooster, Ohio, bonds, . 
County of Putnam, Ohio, bonds, 
City of Richmond, Va., bonds, . 
City of Norfolk, Va., bonds, 
Manufacturers' 1 Club, Philadelphia, bonds, 
Meridian, Miss., Gas Light Co. bonds, 



Cost Value. 

$2,925 00 

950 00 

116,875 00 

62,612 50 

43,800 00 

8,560 00 

5,427 00 

20,100 00 

10,200 00 

10,250 00 

10,500 00 

13,298 75 

12,440 00 

2,250 00 

20,000 00 



Market Value. 

$3,000 00 

1,000 00 

115,000 00 

65,100 00 

46,800 00 

9,950 00 

5,500 00 

22,000 00 

12,500 00 

11,500 00 

11,000 00 

15,000 00 

13,250 00 

3,000 00 

20,000 00 



$476,803 25 $492,705 00 



"THE HARTFORD STEAM BOILER INSPECTION AND INSUR- 
ANCE COMPANY," HARTFORD, CONN. 

[Incorporated June, 1866. Commenced business October, 1866.] 

Paid-up Capital, $500,000. 

J. M. Allen, President. J. B. Pierce, Secretary. 

Income. 
Premiums and inspections outs'g Dec. 31, 1894, $ 215,881 62 



Premiums written or renewed, 

Total, ...... 

Premiums now in course of collection, 



1,001,784 70 

il,217,666 32 
240,063 03 



Entire premiums collected, . . . $977,603 29 
Less reinsurance and return premiums, . . 85,543 17 

Net cash premiums received, . 
Interest and dividends received from all sources, . 

Profit on securities sold, 

Received from special mechanical services, . 



$892,060 12 

79,446 41 

367 66 

3,505 73 



Total income, $975,379 92 

Net or ledger assets Dec. 31, 1894, 1,729,077 83 



Total, $2,704,457 75 

Disbursements. 

Cash paid for matured claims, . . . . . . . $118,198 45 

Cash dividends paid, 60,000 00 

Cash paid for commissions and brokerage, .... 195,255 09 

for salaries and expenses of officers and employees, 123,414 15 

for inspections, - . 310,019 33 



248 THE HARTFORD STEAM BOILER INSPECTION AND INS. CO. 



Cash paid for taxes and fees, . 

for rent, 

for legal expenses, . 

for furniture, apparatus, etc , . 

for advertising and printing, . 

for loss on securities sold, 
Depreciation of real estate, 



$17,867 94 
3,638 55 
1,700 00 
12,391 66 
30,366 71 
20,452 50 
30,000 00 



Total disbursements, $923,304 38 



Balance, $1,781,153 37 



Invested in the following : — 



Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 

Cost value of stocks and bonds owned (schedule A), 

Cash in company's office, 

Cash deposited in bank, 



$59,738 28 

302,210 00 

1,360,847 01 

1,533 08 

56,825 00 



Total, $1,781,153 37 



Other Assets. 
Interest due and accrued, . 
Gross premiums in course of collection, 

Total assets, per company's books, 
Depreciation from cost of assets, 

Total admitted assets, 
Deduct special deposits in other States, 



Balance, 



32,913 86 

240,063 03 

$2,054,130 26 

16,087 13 

$2,038,043 13 

30,000 00 

$2,008,043 13 



Liabilities. 

Claims in process of adjustment, . . . $6,856 22 

Unearned premiums on outstanding risks, . 1,273,059 65 

Commissions and brokerage, . . . . 24,856 67 

Gross liabilities, except capital, . . $1,304,772 54 

Deduct liability on special deposits, . . 14,716 93 



Surplus as regards policy-holders, 
Paid-up capital, .... 



1,290,055 61 

$717,987 52 
500,000 00 



Surplus over capital, $217,987 52 



THE HARTFORD STEAM BOILER INSPECTION AND INS. CO. 249 



Risks and Premiums. 

Premiums. 

Risks outstanding Dec. 31, 1894, . . $244,868,481 00 #2,300,9.59 24 
Risks written during 1895, . . . 111,804,790 00 1,0.01,784 70 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$356,673,271 00 $3,302,743 94 
91,154,082 00 817,448 61 



$265,519,189 00 $2,485,295 33 



Miscellaneous. 

Premiums received from organization of company, . . $9,984,168 00 

Claims paid from organization of company, .... 884,393 00 

Cash dividends declared from organization of company, . 774,750 00 

Claims incurred during the year, 95,457 00 

Company's stock owned by directors, 110,600 00 



Schedule A. 

Stocks and Bonds owned by the Company. 



State of Connecticut bonds, 
United States bonds, . 
Wooster, Ohio, city bonds, 
Toledo, Ohio, city bonds, . 
Columbus, Ohio, city bonds, 
Atchison, Kan., city bonds, 
Solomon, Kan., city bonds, 
Hutchinson, Kan., city bonds, 
Cullison, Kan., city bonds, 
Coolidge, Kan., city bonds, 
Leavenworth, Kan., city bonds, 
Horton, Kan., city bonds, . 
Evansville, Ind., city bonds, 
Vincennes, Ind , city bonds, 
Council Bluffs, Iowa, city bonds, 
Winfield, Kan., city bonds, 
Oberlin, Kan., city bonds, . 
Medicine Lodge, Kan., city bonds, 
York, Neb., city bonds, 
Columbus, Neb., city bonds, 
Trinidad, Col., city bonds, 
Gladstone, Mich, city bonds, 
Gladwin, Mich., city bonds, 
Albina, Ore., city bonds, . 
Astoria, Ore , city bonds, . 
Rockport, Tex., city bonds, 



Cost Value. 

$107,250 00 

2,326 00 

10,000 00 

16,125 00 

10,300 00 

15,000 00 

4,975 00 

12,000 00 

6,825 00 

10,550 00 

2,475 00 

10,600 00 

12,000 00 

16,160 00 

10,000 00 

9,950 00 

5,000 00 

5,000 00 

10,000 00 

10,100 00 

5,125 00 

10,000 00 

7,490 00 

11,175 00 

21,000 00 

10,000 00 



Market Value. 

$103,000 00 

2,200 00 

10,600 00 

16,500 00 

10,300 00 

15,000 00 

5,150 00 

13,200 00 

4,875 00 

2,500 00 

2,500 00 

12,600 00 

12,000 00 

16,160 00 

11,000 00 

10,500 00 

5,000 00 

5,000 00 

10,500 00 

10,500 00 

5,250 00 

10,500 00 

7,560 00 

12,500 00 

20,900 00 

10,000 00 



250 THE HARTFORD STEAM BOILER INSPECTION AND INS. CO. 



Wheeling, W. Va., city bonds, . 

Huntington, W. Va., city bonds, 

Charleston, W. Va., city bonds, 

Richmond, Va., city bonds, 

Roanoke, Va., city bonds, . 

Fort Worth, Tex., city bonds, . 

Dallas, Tex., city bonds, . 

Tyler, Tex., city bonds, 

Ogden, Utah, city bonds, . 

Olympia, Wash , city bonds, 

Athens, Ga., city bonds, . 

Griffin, Ga., city bonds, 

Abilene, Kan., Board of Education bonds, 

Anthony, Kan., Board of Education bonds, 

Nebraska school district bonds, 

Nebraska school district bonds, 

Kansas school district bonds, . 

Kansas school district bonds, . 

Colorado school district bonds, 

Maricopa, Ari., school district bonds, 

Houston, Tex., school district bonds, 

Centerville, Iowa, school district bonds, 

Second North school district bonds, Hartford, 

RedPds, Lugonia and Grafn U. H. S. Dist. b'ds, 

W. C. Special Drainage District, 111., bonds, 

Big Slough Draiuage District, 111., bonds, 

No. Branch Lake Fork Drain. Dist , 111., bonds 

Big Lake Drainage District, 111., bonds, 

Arizona Improvement Company bonds, 

Oxford, Kan., township bonds,. 

Oswego, Kan., township bonds, 

Jefferson, Kan., township bonds, 

Reno, Kan., township bonds, . 

Dexter, Kan., township bonds, . 

Haskell, Kan., township bonds, 

Albion, Neb., village bonds, 

Garden City Irrigation Co., Kansas, bonds, 

School Creek Precinct, Clay Co., Neb., bonds 

Sutton Precinct, Clay Co., Neb., bonds, 

Lewis Precinct, Clay Co., Neb , bonds, 

Pawnee County, Kan., bonds, . 

Dickinson County, Kan., bonds, 

Riley County, Kan., bonds, 

Lyon County, Iowa, bonds, 

Cascade County, Mont., bonds, 

Albany County, Wyo., bonds, . 

Spokane County, Wash., bonds, 

Snohomish County, Wash., bonds, 



Cost Value. 

111,300 00 

10,525 00 

20,900 00 

29,562 50 

5,175 00 

9,750 00 

10,300 00 

6,360 00 

5,462 50 

10,762 50 

20,200 00 

6,000 00 

9,180 00 

13,062 50 

500 00 

7,621 57 

11,321 15 

4,200 00 

10,000 00 

10,439 60 

10,000 00 

10,100 00 

10,000 00 

10,885 44 

10,250 00 

15,150 00 

9,630 00 

15,600 00 

15,750 00 

10,000 00 

10,000 00 

10,000 00 

15,000 00 

10,000 00 

5,250 00 

6,792 50 

1,000 00 

5,000 00 

5,000 00 

8,000 '00 

11,000 00 

15,000 00 

9,600 00 

10,000 00 

8,590 00 

10,250 00 

10,500 00 

8,651 30 



Market Value. 
$11,000 00 

10,500 00 
21,000 00 
30,000 00 
5,250 00 
10,000 00 
10,300 00 
6,300 00 
5,500 00 
11,000 00 
20,000 00 
6,000 00 
9,000 00 
13,125 00 
500 00 
7,228 32 
11,185 00 
3,967 56 
10,000 00 
10,500 00 
10,000 00 
10,100 00 
10,400 00 
10,404 00 
10,500 00 
15,000 00 
9,450 00 
15,600 00 
16,000 00 
10,500 00 
10,000 00 
10,500 00 
15,750 00 
10,500 00 
2,500 00 
7,020 00 
1,000 00 
5,250 00 
5,250 00 
8,400 00 
11,550 00 
16,200 00 
10,500 00 
5,000 00 
8,800 00 
10,500 00 
10,500 00 
8,400 00 



THE HARTFORD STEAM BOILER INSPECTION AND INS. CO. 251 



Skagit County, Wash., bonds, 
Travis County, Tex., bonds, 
Rains County, Tex., bonds, 
Graham County, Ari., bonds, 
Jefferson County, Ohio, bonds, 
Muskingum County, Ohio, bonds, 
Arapahoe County, Colo., bonds, 
Milwaukee County, Wis., bonds, 
Marion County, Ind., bonds, 
Arizona Territory bonds, . 
St. Louis & San Francisco Railway bonds, 
Cincinnati, Dayton & Iron ton Railway bonds, 
Evansville & Richmond Railway bonds, . 
Dayton & Western Railroad Co. bonds, . 
Mahoning Coal Railroad Co. bonds, 
Cin., Jackson & Mackinaw R.R. Co. bonds, 
Chic, Burl. & Quincy R.R. Co. bonds, 
Indiana & Lake Michigan R.R. Co. bonds, 
Jamaica & Brooklyn Road Co. bonds, 
Kanawha & Michigan Railway Co. bonds, 
Cleve , Cin., Chic. & St. Louis R'y Co. bonds, 
Terre Haute & Peoria Railroad Co. bonds, 
Chicago & Western Indiana Railroad bonds, 
Evansville & Indianapolis Railroad Co. bonds, 
N. Y., New Haven & Hart. R.R. Co. deb. bonds, 
Louisville, New Albany & Chic. R.R. bonds, 
Philadelphia & Reading Railroad bonds, 
Northern Pacific Railroad bonds, 
Hartford Street Railway Co. bonds, 

40 shares City National Bank, 
100 " Hartford National Bank, 
100 " Security Company, . 
100 " American National Bank, 

85 " Farmers 1 & Mechanics' Nat'l Bank 

43 " ^tna National Bank, . 

50 " Puritan Trust Company, 
190 " N. Y., N. Haven & Hart. R.R. Co. 
120 " Chicago, Burl. & Quincy R.R., 
100 « Chic, Mil. & St. P. R.r". Co. pref. 
100 " Atch , Topeka & Santa Fe R.R. Co. 
110 " Chic, Rock Island & Pac R.R. Co., 
100 " Chic & Northwest. R.R. Co. pref., 

50 " Bald Eagle Valley Railroad Co., . 
200 " Northwestern Telegraph Co., 
400 " Pacific & Atlantic Telegraph Co., . 



Cost Value. 

,537 50 

10,375 00 

5,200 00 

5,350 00 

10,500 00 

5,000 00 

8,000 00 

22,100 00 

22,025 00 

10,000 00 

11,450 00 

9,550 00 

9,000 00 

10,317 00 

9,350 00 

11,995 00 

3,200 00 

10,000 00 

4,950 00 

7,600 00 

4,550 00 

10,150 00 

29,000 00 

5,600 00 

7,693 50 

16,200 00 

29,120 00 

23,200 00 

30,525 00 

4,251 20 

15,578 00 

11,990 00 

6,418 50 

9,013 25 

4,614 00 

5,000 00 

23,125 00 

14,225 00 

12,100 00 

10,784 50 

13,537 00 

14,025 00 

4,900 00 

10,150 00 

7,550 00 



Market Value. 

$10,500 00 

10,000 00 

5,250 00 

5,250 00 

10,500 00 

5,100 00 

8,000 00 

22,000 00 

22,000 00 

10,200 00 

5,000 00 

10,500 00 

5,000 00 

16,800 00 

11,500 00 

7,000 00 

3,380 00 

10,000 00 

5,000 00 

8,200 00 

4,750 00 

10,000 00 

29,000 00 

4,500 00 

10,350 00 

16,500 00 

29,400 00 

23,500 00 

30,600 00 

4,000 00 

15,000 00 

12,000 00 

6,500 00 

9,520 00 

6,235 00 

5,000 00 

34,200 00 

9,600 00 

12,700 00 

1,400 00 

7,700 00 

14,300 00 

5,000 00 

10,600 00 

7,500 00 



1,360,847 01 $1,344,759 88 



252 THE lawyers' surety company OF NEW YORK. 



"THE LAWYERS' SURETY COMPANY OF NEW YORK," NEW 

YORK, N. Y. 

[Incorporated March 30, 1892. Commenced business April 1, 1892."] 
Paid-up Capital, $500,000. 

Joel B. Erhardt, President. Joel Rathbone, Secretary. 

Income. 

Premiums outstanding Dec. 31, 1894, . . 828,199 89 
Premiums on risks written or renewed, . . 132,027 73 



Total,. ....... $160,227 62 

Premiums now in course of collection, . . 29,147 24 



Entire premiums collected, 
Less reinsurance and return premiums, . 

Net cash premiums received, . . . — — 
Interest and dividends received from all sources, . 
Income from rents, ....... 

Received from all other sources, .... 



$131,080 38 
34,607 80 



$96,472 58 

17,213 12 

24 00 

126 44 



Total income, . $113,836 14 

Net or ledger assets Dec. 81, 1894, 560,120 99 

Total, $673,957 13 



Disbursements. 
Cash paid for commissions and brokerage, 

for salaries and expenses of officers and employees 
for taxes and fees, . . . 

for rent, 

for legal expenses, .... 
for real estate expenses, . . . 
for furniture, fixtures, advertising, etc., 
for incidentals, 



Total disbursements, 



Balance, 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, . 

Loans on mortgage of real estate (first liens), 
Cost value of stocks and bonds owned (schedule A), 

Cash in company's office, 

Cash deposited in bank, . . ... 

Bills receivable, 

Furniture and fixtures, 



$2,501 29 
36,097 17 
2,101 06 
4,604 16 
1,845 28 
4,000 00 
2,677 92 
6,120 50 

$59,947 38 



$614,009 75 



$15,632 26 

2,000 00 

538,471 79 

506 6Q 

52,979 21 

2,660 44 

1,759 39 



Total, $614,009 75 



THE LAWYERS* SURETY COMPANY OF NEW YORK. 253 



Other Assets. 



$16 67 


16 


00 


4,287 74 


29,147 


24 


$647,477 


40 



Interest due and accrued, 
Rents due and accrued, .... 
Market value of real estate over cost, 
Gross premiums in course of collection, . 

Total assets, per company's books, . 



Items not admitted and Depreciation. 

Office furniture, etc., . . . < $1,759 39 

Bills receivable, 2,660 44 

Depreciation from cost of assets, . . . 585 72 

Total, 5,005 55 



Total admitted assets, $642,471 85 



Liabilities. 

Unearned premiums on outstanding risks, . $50,122 16 

Due and accrued for rent, salaries, etc., . . 2,786 63 

Commissions and brokerage, . . . 183 73 

Gross liabilities, except capital, . . — — 53,092 52 



Surplus as regards policy-holders, ..... $589,379 33 
Paid-up capital, 500,000 00 



Surplus over capital . . $89,379 33 

Risks and Premiums. 

Premiums. 

Risks outstanding Dec. 31, 1894, . . .$17,937,526 00 $100,868 72 
Risks written during 1895, .... 25,518,037 00 132,027 73 



Total $43,455,563 00 $232,896 45 

Deduct risks expired and terminated, . 21,450,549 00 132,652 14 



In force at end of year, . . . . $22,005,014 00 $100,244 31 



Miscellaneous. 

Premiums received from organization of company, , . $294,054 00 

Claims paid from organization of company, . 206 00 

Company's stock owned by directors, ..... 170,600 00 



254 LLOYDS PLATE-GLASS INSUEANCE CO. OF NEW YORK. 



Schedule A. 
Stocks and Bonds owned by the Company. 

Cost Value. 

New York City bonds, $37-1,062 34 

Rome, Watertown & Ogdensburg R.R. stock, . 5,756 25 

New York City Schoolhouse bonds, . . 96,823 75 

United States bonds, ...... 33,008 20 

Chesapeake & Ohio bonds, . . . 16,412 50 

Virginia Midland bonds, 12,408 75 



Market Value. 

$375,550 00 
5,975 00 
96,887 74 
32,340 00 
14,300 00 
14,850 00 



$538,471 79 $539,902 74 



"LLOYDS PLATE-GLASS INSURANCE COMPANY OF NEW 
YORK," NEW YORK, N. Y. 

[Incorporated August, 1882. Commenced business September, 1882.] 
Paid-up Capital, $250,000. 
William T. Woods, President. Charles E. W. Chambers, Secretary. 

Income. 



Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 

Net cash premiums received, 
Interest received on mortgages, 
Interest and dividends received from all 
Income from rents, . 
Profit on securities sold, . 
Received from all other sources, 

Total income, .'.,..-, 
Net or ledger assets Dec. 31, 1894, 



other 



Total, 



Disbursements 



Cash paid for matured claims, . , 
Deduct salvage and reinsurance, 

Net cash paid for matured claims, 
Cash dividends paid, 



$70,062 23 
424,698 07 

$494,760 30 
63,893 66 

$430,866 64 
38,682 59 



sources, 



$194,872 76 
50,452 55 



$392,184 05 

359 28 

11,901 38 

12,890 90 

12 50 

1,467 66 



. $418,815 77 
576,444 54 



$995,260 31 



$144,420 21 
50,000 00 



LLOYDS PLATE-GLASS INSURANCE CO. OF NEW YORK. 255 



Cash paid for commissions and brokerage, . 

for salaries and expenses of officers and employees, 

for taxes and fees, . 

for rent, . 

for legal expenses, . 

for real estate expenses, . 

for furniture, advertising, printing, etc., 

for losses on securities sold, . 

for incidentals, 

Total disbursements, .... 

Balance, ...... 



$111,025 22 

44,700 37 

13,670 19 

2,743 38 

648 54 

3,791 22 

8,456 59 

411 80 

6,950 43 

f387,417 95 

f607,842 36 



Invested in the following : — 

Assets as per Ledger Accounts. 
Cost value of real estate, $245,763 18 



Loans on mortgage of real estate (first liens), 

Cost value of stocks and bonds owned (schedule A), 

Cash in company's office, 

Cash deposited in bank, . . . 



18,000 00 

324,536 70 

2,548 47 

16,994 01 



Total, 1607,842 36 



Other Assets. 
Rents due and accrued, 

Market value of real estate, over cost, 

Gross premiums in course of collection, 

Total assets, per company's books, 

Depreciation from cost of assets, 

Total admitted assets, 
Deduct special deposits in other States, 

Balance, ..... 



2,012 16 
19,236 82 
63,893 66 

$692,985 00 

43,229 20 

$649,755 80 
17,182 50 

$632,573 30 



Liabilities. 

Claims adjusted or in process, .... $3,644 89 

Unearned premiums on outstanding risks, . . 202,572 42 

Due and accrued for rent, salaries, etc., . . 20,802 91 

Commissions and brokerage, .... 15,973 42 

Gross liabilities, except capital, . . $242,993 64 

Deduct liability on special deposits, . . 17,182 50 

Surplus as regards policy-holders, ..... 

Paid-up capital, .... ... 



225,811 14 

$406,762 16 
250,000 00 



Surplus over capital, $156,762 16 



256 LLOYDS PLATE-GLASS INSURANCE CO. OF NEW YORK. 



Risks outstanding Dec. 31, 1894, 
Risks written during 1895, 



Risks and Premiums. 

Premiums. 

. . .$14,411,863 00 $408,107 07 
. . . 14,883,828 00 424,698 07 



Total, $29,295,691 00 $832,805 14 

Deduct risks expired and terminated, . . 14,368,634 00 429,803 62 



In force at end of year, 



. $14,927,057 00 $403,001 52 



Miscellaneous. 

Premiums received from organization of company, 

Claims paid from organization of company, . 

Cash dividends declared from organization of company, 

Claims incurred during the year, 

Company's stock owned by directors, . 



$4,042,748 00 

1,770,855 00 

363,250 00 

144,549 00 

111,800 00 



Schedule A. 

Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

Brooklyn Trust Company stock, . . . $10,000 00 $9,625 00 

Brooklyn & New York Ferry Co. stock, . . 9,000 00 10,000 00 

Equitable Gas Light Co. stock, ' . . « 18,262 50 20,000 00 

Edison Electric 111. Co., Brooklyn, stock, . 10,428 00 9,800 00 

Central Park, North & East River R.R. stock, . 8,250 00 8,100 00 

Third Avenue Railroad Co. stock, . . . 8,050 00 8,625 00 

Manhattan Trust Co. stock, .... 5,711 57 5,850 00 

Delaware & Hudson Canal Co. stock, . . 6,662 50 6,000 00 

Dry Dock, E. Broadway & Battery R.R. stock, 4,410 00 4,500 00 

United States bonds, 150,134 26 127,100 00 

Brooklyn & Coney Island Railroad bonds, . 5,487 78 5,100 00 

Toledo & Ohio Central Railroad bonds, . . 9,768 75 10,550 00 

Second Avenue Railroad bonds, . . . 5,427 92 5,250 00 

Brooklyn Cross Town Railroad bonds, . . 5,575 00 5,250 00 

Northern Pacific & Montana Railroad bonds, . 10,496 25 3,000 00 

No. Pacific & Montana R.R. land grant bonds, 8,550 00 3,500 00 

Dominion of Canada bonds, .... 10,672 22 10,612 50 

Pennsylvania Plate Glass Co. bonds, . . 10,000 00 1,000 00 

Brooklyn City & Newton Railroad bonds, . 5,155 00 5,400 00 

Kanawha & Michigan Railroad bonds, . . 11,393 75 10,875 00 

City of Ottawa, Ontario, bonds, . . . 6,401 20 6,570 00 

New York & East River Ferry Co. bonds, . 4,700 00 4,600 00 



$324,536 70 $281,307 50 



LONDON GUARANTEE AND ACCIDENT COMPANY, l't'd. 257 

UNITED STATES BRANCH OF THE " LONDON GUARANTEE AND 
ACCIDENT COMPANY, LIMITED," LONDON, ENG. 

Deposit Capital, $200,000. 

A. W. Masters, Resident Manager, Chicago, III. 

Income. 

Ace. and Emp. Liab. Fidelity. 

Premiums outstanding Dec. 31, 

1894, $106,401 39 $1,696 08 

Premiums on risks written or 

renewed, . . . . 607,832 61 12,465 05 

Total, $714,234 00 $14,161 13 

Premiums now in course of 

collection, .... 131,109 14 1,309 73 

Entire premiums collected, $583,124 86 $12,851 40 
Less reinsurance and return 
premiums, .... 76,288 53 2,481 91 

$506,836 33 $10,369 49 
Net cash prem's received, . — $517,205 82 

Interest and dividends received from all sources, . , . 15,667 31 

Total income, $532,873 13 

Net or ledger assets Dec. 31, 1894, 381,882 58 

Total, ....,....,* $914,755 71 

Disbursements. 

Cash paid for matured claims (Ace. and Emp. Liab.), . . $152,861 86 

for commissions and brokerage, .... 141,977 80 

for salaries and expenses of officers and employees, 24,117 57 

for medical examiner's fees, ..... 6,680 53 

for inspections, ....... 4,364 87 

for taxes and fees, , . . , , . . 9,711 05 

for rent, 2,592 26 

for legal expenses, ....... 6,352 02 

for incidentals, ».<..... 21,839 74 

Total disbursements, ........ $370,497 70 

Balance, .......... $544,258 01 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of bonds owned (schedule A), .... $491,111 28 

Cash in company's office, ....... 154 58 

Cash deposited in bank, . . ' , , . . , . 52,992 15 

Total, , . . $544,258 01 



258 LONDON GUARANTEE AND ACCIDENT COMPANY, L't'd. 



Other Assets. 

Interest due and accrued, 

Market value of bonds, over cost, . 

Gross premiums in course of collection, 

Total assets, per company's books, . 



$3,587 72 

22,469 16 

132,418 87 

$702,733 76 



Items not Admitted. 
Cash not in control of trustees, 

Total admitted assets, , 



154 58 



. $702,579 18 



Liabilities. 

Claims known or reported, 
Claims disputed or resisted, 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Deposit capital, 



$7,326 66 

116,250 00 

257,648 65 

2,893 02 

35,217 53 



419,335 86 

$283,243 32 
200,000 00 



Surplus over capital, . 



,243 32 



Risks and Premiums. 

Accident and Employers' Liability, 



Risks outstanding Dec. 31, 1894, 
Risks written during 1895, 

Total, . . . . . 
Deduct risks expired and terminated, 

In force at end of year, 



.$45,270,450 00 
. 66,390,650 00 

$111,661,100 00 
. 42,968,700 00 



Premiums. 
$378,091 57 
607,832 61 

$985,924 18 
480,938 20 



.$68,692,400 00 $504,985 98 



Fidelity. 



Risks outstanding Dec. 31, 1894, 
Risks written during 1895, 



. $1,615,700 00 $10,095 12 
. 1,924,700 00 12,465 05 



Total, ...... 

Deduct risks expired and terminated, 



$3,540,400 00 
1,962,200 00 



$22,560 17 
12,248 86 



In force at end of year, , 



$1,578,200 00 $10,311 31 



MASSACHUSETTS TITLE INSURANCE COMPANY. 



250 



Schedule A. 

* Bonds owned by the Company. 

Cost Value. 

United States bonds, $200,000 00 

Pennsylvania Railroad bonds, .... 27,163 93 

New York Central & Hudson Riv. R.R. certs., 40,275 06 

Illinois Central Railroad bonds, . . . 23,485 57 

Chicago & Northwestern Railroad bonds, . 30,061 99 

City of Jersey City bonds, .... 27,287 82 

City of Chicago bonds, 39,375 00 

Baltimore & Ohio bonds, 43,186 62 

Illinois Central bonds, 25,288 01 

Manhattan Railroad bonds, .... 25,147 33 

Long Island Railroad bonds, .... 9,839 95 



Market Value. 

$219,500 00 
28,264 63 
39,895 00 
25,914 11 
30,000 00 
29,000 00 
39,609 38 
41,792 32 
25,625 00 
24,500 00 
9,480 00 



$491,111 28 $513,580 44 



MASSACHUSETTS TITLE INSURANCE COMPANY, BOSTON. 

[Incorporated Jan. 19, 1885. Commenced business March 6, 1885.] 
Paid-up Capital, $300,000. 

Hales W. Suter, President. J. Thomas Baldwin, Clerk and Treasurer. 

Office, Devonshire Building. 

Summary of Assets Dec. 31, 1895. 

Cash value of unencumbered real Estate, . $800 00 

Loans on mortgage of real estate (first liens),* 117,688 54 
Interest due or accrued thereon, 
Stocks and bonds, . 



Cash in the office of the Company, 
Cash deposited in bank, . 
Premiums in course of collection, 
Plant of company, 
Gross assets, 



Liabilities. 
Due for borrowed money, .... 

Trust funds, 

Gross liabilities, except capital, 



1,035 05 
2,000 00 
2,672 19 
6,902 38 
4,324 75 
182,500 00 



$5,300 00 
8,159 52 



$317,922 91 



$13,459 52 



Income. 

Cash premiums received, $20,136 02 

Interest and dividends received from all sources, . . . 5,603 99 

Income from conveyancing and examinations, .... 8,493 20 

Borrowed money, _ . 800 00 



Gross cash income, ' . $35,033 21 

* Value of land mortgaged, ' $57,629 

Value of buildings thereon, 139,300 

Amount of insurance held as collateral, 119,900 



260 THE METROPOLITAN PLATE-GLASS INS. CO. OF NEW YORK. 



Expenditures. 
Cash paid for losses, .... 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent, .... 

for incidentals, . 

Borrowed money repaid, . 

Gross cash expenditures, , 



$431 29 


351 41 


25,285 57 


716 65 


4,925 00 


5,707 86 


3,000 00 



,417 78 



« THE METROPOLITAN PLATE-GLASS INSURANCE COMPANY 
OF NEW YORK," NEW YORK, N. Y. 

[Incorporated April 22, 1874. Commenced business April 23, 1874.] 
Paid-up Capital, $100,000. 
Eugene H. Winslow, President. 

Income. 
Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 

Net cash premiums received, . 
Interest and dividends received from all 
Income from rents, .... 



Total income, 
Net or ledger assets Dec. 31, 1894, 



Total, 



S. W. Burton, Secretary, 

$38,200 90 
299,130 34 



$337,331 24 
45,926 50 



$291,404 74 
42,229 64 



sources, 



$107,813 24 
5,422 62 



Disbursements. 
Cash paid for matured claims, .... 
Deduct salvage and reinsurance, 

Net cash paid for matured claims, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries and expenses of officers and employees 

for taxes and fees, . 

for real estate expenses, . , 

for incidentals, . . 

for profit and loss, . 



Total disbursements, . 
Balance, , . 




$249,175 10 
9,257 91 
2,462 82 

$260,895 83 
384,943 13 

$645,838 96 



$102,390 62 

16,000 00 

79,356 39 

23,634 38 

7,779 83 

1,416 35 

3,278 02 

9,476 37 



$243,331 96 
$402,507 00 



THE METROPOLITAN PLATE-GLASS INS. CO. OF NEW YORK. 261 

Invested in the following : — 

Assets as pee Ledgee Accounts. 

Cost value of real estate, $150,000 00 

Cost value of stocks and bonds owned (schedule A), . . 213,949 24 

Cash in company's office, 1,201 73 

Cash deposited in bank, 37,350 03 



Total net or ledger assets as per balance, . . . $402,507 00 

Other Assets. 

Interest due and accrued, 2,750 63 

Gross premiums in course of collection, 45,926 50 



Total assets, per company's books, $451,184 13 

Deduct depreciation from cost of assets, 1,277 74 



Total admitted assets, ....... $449,906 39 

Liabilities. 

Claims adjusted or in process, .... $2,000 00 

Unearned premiums on outstanding risks, . 132,759 38 

Due and accrued for rent, salaries, etc., . . 5,779 44 

Commissions and brokerage, .... 11,481 62 

Gross liabilities, except capital, . . 152,020 44 



Surplus as regards policy-holders, $297,885 95 

Paid-up capital, 100,000 00 



Surplus over capital, $197,885 95 

Risks and Pkemiums. 

Premiums. 

Risks outstanding Dec. 31, 1894, . . . $9,012,552 00 $264,620 77 
Risks written during 1895, . . . . 10,940,086 00 299,130 34 



Total $19,952,638 00 $563,75111 

Deduct risks expired and terminated, . . 10,427,105 00 298,232 36 



In force at end of year, .... $9,525,533 00 $265,518 75 

Miscellaneous. 

Premiums received from organization of company, . . $2,885,406 00 

Claims paid from organization of company, .... 1,097,780 00 

Cash dividends declared from organization of company, . 234,000 00 

Claims incurred during the year, . . . . . . 100,890 00 

Company's stock owned by directors, ..... 29,700 00 



262 



MUTUAL BOILER INSURANCE COMPANY. 



Schedule A. 
Stocks and Bonds owned by the 

Fifth Avenue Bank, Brooklyn, stock, 
Hamilton Bank, Brooklyn, stock, 
Brooklyn Bank, Brooklyn, stock, 
Western Union Telegraph Co. stock, 
King's County Trust Co. stock, 
Long Island Safe Deposit Co. stock, 
Municipal Electric Light Co. stock, 
Brooklyn City Railroad Co. stock, . 
American District Telegraph Co. stock, 
Consolidated Gas Co. of New York, 
United States bonds, .... 
Brooklyn and Newtown Railroad bonds, 
Union Ferry Co. bonds, . 
Newburgh Electric Railroad Co. bonds, 



Company. 

Cost Value. 

$2,600 00 
3,750 00 

16,300 00 
8,389 24 
3,000 00 
2,512 50 
9,772 50 
8,325 00 
1,537 50 

14,912 50 
116,625 00 

10,825 00 

10,400 00 
5,000 00 



Market Value. 

$2,500 00 
2,875 00 

14,240 00 
8,70.0 00 
5,200 00 
2,000 00 

13,344 00 
8,750 00 
1,662 50 

14,900 00 
112,000 00 

11,000 00 

10,500 00 
5,000 00 



§213,949 24 $212,671 50 



MUTUAL BOILER INSURANCE COMPANY, 

[Incorporated April, 1877. Commenced business June, 

J. Howard Nichols, President. D. W. 

Office, 31 Milk Street. 

Income. 

Cash premiums received, 

Interest and dividends received from all sources, 
Received from inspection fees, 



Total income, .... 
Net or ledger assets Dec. 31, 1894, . 



Total, 



Disbursements. 
Cash paid for matured claims, .... 

as profits on terminated policies, 
for commissions and brokerage, 
for salaries and inspections, . 
for taxes and fees, .... 

for rent, ...... 

for incidentals, .... 

for profit and loss, .... 



Total disbursements, 
Balance, 



BOSTON. 

1877.] 

Lane, Secretary. 



$14,754 72 

516 42 

45 62 



$15,316 76 
15,492 62 

$30,809 38 



$168 34 

4,996 35 

451 52 

6,816 78 

151 65 

240 00 

328 79 

35 00 



$13,188 43 
$17,620 95 



MUTUAL BOILER INSURANCE COMrANT. 



263 



Invested in the following: — 

Assets as per Ledger Accounts. 

Cost value of bonds owned (schedule A), 

Cash in company's office, 

Cash deposited in bank, 

Mileage tickets, 



Total net or ledger assets, as per balance, 



$14,321 25 

56 73 

3,212 04 

30 93 

$17,620 95 



Other Assets. 

Interest due and accrued, 

Market value of bonds over cost, 

Gross premiums in course of collection, . . 



Total assets, per company's books, , 

Liabilities. 

Unearned premiums on outstanding risks, 
State and local taxes, .... 
Gross liabilities, . . 

Surplus as regards policy-holders, . 



tit 



$7,662 50 
32 34 



115 00 
108 75 
876 62 



$18,721 32 



7,694 84 
$11,026 48 



Risks and Premiums. 

Amount. 

Risks outstanding Dec. 31, 1894, $2,243,800 00 
Risks written during 1895, . 2,823,075 00 



Total $5,066,875 00 

Deduct risks expired and term'd, 2,283,075 00 



Cash Prems. 

$12,731 01 
15,483 75 

$28,214 76 
12,889 76 



Contlng't Prems. 

$127,310 10 
154,837 50 

$282,147 60 
128,897 60 



In force at end of year, . $2,783,800 00 $15,325 00 $153,250 00 



Miscellaneous. 
Claims incurred during the year, 



$168 34 



Schedule A. 
Bonds owned by the Company. 



Fitchburg Railroad bonds, 
Maine Central Railroad bonds, 
Chic, Bur. & Northern bonds, . 
Chic, Bur. & Quincy bonds, 
Old Colony Railroad bonds, 



Cost Value. 

$3,000 00 
2,160 00 
2,038 75 
2,817 50 
4,305 00 



Market Value. 

$3,000 00 
2,160 00 
2,060 00 
2,970 00 
4,240 00 



$14,321 25 $14,430 00 



264 NATIONAL SURETY COMPANY. 

"NATIONAL SURETY COMPANY," KANSAS CITY, MISSOURI. 

[Incorporated Nov. 17, 1892. Commenced business March 8, 1893.] 
Paid-up Capital, $350,000. 

A. E. Stilwell, President. W. S. Rugh, Secretary. 

Income. 

Premiums outstanding Dec. 31, 1894, . . $10,181 57 
Premiums on risks written or renewed, . . 208,094 64 

Total, f218,276 21 

Premiums now in course of collection, . . 11,103 76 

Entire premiums collected, . . . $207,172 45 
Less reinsurance and return premiums, . , 24,690 35 

Net cash premiums received, . . . — $182,482 10 

Interest received on mortgages, ...... 13,802 21 

Interest and dividends received from all other sources, . . 3,735 79 

Income from rents, 382 00 

Received from premium on increase of capital, , . . 10,000 00 

Total income, . . $210,402 10 

Net or ledger assets Dec. 31, 1894, . . . $325,827 73 
Increase of capital, . . , . . , 100,000 00 

425,827 73 

Total,. .......... $636,229 83 

Disbursements. 

Cash paid for matured claims, . . . . $36,218 67 

Deduct salvage and reinsurance, . . . 7,558 06 

Net cash paid for matured claims, . . $28,660 61 

Cash paid for commissions and brokerage, .... 18,537 03 

for salaries and expenses of officers and employees, 56,285 07 

for inspections, 

for taxes and fees, . 



for rent, . 

for legal expenses, . 

for real estate expenses, 

for incidentals, . 

for profit and loss, . 



7,296 05 
3,830 38 
1,446 00 
9,726 19 
370 95 
24,328 49 
2,025 00 



Total disbursements, . $152,505 77 

Balance, $483,724 06 



NATIONAL SURETY COMPANY. 



265 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens) , 

Cost value of bonds owned (schedule A), 

Cash in company's office, 

deposited in bank, ....... 

deposited with State of Texas, . 
Office furniture, etc., ........ 



88,550 00 

229,500 00 

168,025 00 

1,243 00 

73,520 66 

2,000 00 

885 40 



Total net or ledger assets, as per balance, 



$483,724 06 



Other Assets. 

Interest due and accrued, . 

Gross premiums in course of collection, . 



4,557 92 
11,103 76 



Total assets, per company's books, . 



. $499,385 74 



Items not Admitted and Depreciation. 



Office furniture, etc., . 
Depreciation from cost of assets, 
Total, 



Total assets, . 
Deduct special deposits in other States, . 



Balance, 



$885 40 
4,725 00 



5,610 40 



$493,775 34 
57,190 00 

$436,585 34 



Liabilities. 

Claims adjusted or in process, .... $10,328 12 

Claims disputed or resisted, .... 10,000 00 

Unearned premiums on outstanding risks, . 80,920 97 

Return premiums due, 1,335 90 

Commissions and brokerage, . . . . 1,111 12 

Gross liabilities, except capital, . . $103,696 11 

Deduct liability on special deposits, . . 9,890 15 



93,805 96 



Surplus as regards policy-holders, 
Paid-up capital, . . . 



$342,779 38 
350,000 00 



Impairment of capital, 



$7,220 62 



'266 NEW ENGLAND BURGLARY INSURANCE CO. OF BOSTON. 



Risks and Fremitus. 

Premiums. 

Risks outstanding Dec. 31, 1894, . . .$42,572,962 00 |124,079 39 

Bisks written during 1895. . 65,4-26.899 00 COS. 094 64 



Total,. ...... I107.999.Sd1 00 8332,174 03 

Deduct risks expired and terminated, . . 44,996.614 00 165,450 84 



In force at end of year, . . . .§63,003.247 00 §166,693 19 
Deduct amount reinsured, .... 1,256,000 00 4.S51 25 



Net amount in force, $61,747,247 00 f 161,841 94 

Miscellaneous . 

Premiums received from organization of company, . . $427,107 00 

Claims paid from organization of company, ..... 112,945 00 

Claims incurred during the year, ...,,, 45,378 00 

Schedule A. 
Bonds owned by the Company. 

Cost Value. | Market Value. 

United States bonds $113,275 00 $108,550 00 

K. C. Pittsburg & Gulf R R. bonds, . . . 21,000 00 21,000 00 

Kansas City Elevated RR bonds, . . . 2,750 00 2,750 00 

Kansas Citv Sub. Belt R.R. bonds, . . . 31,000 00 31,000 00 



8168,025 00 $163,300 00 



NEW ENGLAND BURGLARY INSURANCE COMPANY OF BOSTON. 

[Incorporated Nov. c, 1595. Commenced 'business Dec. 9, 1895.] 

PiiD-rp Capital, $200,000. 

Wm. EL Brewster, President, James E. Whitney, Jr., Secretary. 

Principal Office, John Hancock Building. 

Income. 

Interest and dividends received from all sources, . . . 650 26 

Received from capital paid in, ....... 200,000 00 



Total income, $200,050 26 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of bonds owned (schedule A), .... *§199,S6S 67 
Cash deposited in bank, ........ 181 59 

Total net or ledger assets, as per balance, . » . $2C0,050 26 

* Including $1,467 accrued interest at date of purchase. 



NEW ENGLAND BURGLARY INSURANCE CO. OF BOSTON. 2(37 



Other Assets. 

Interest due and accrued, 

Gross premiums in course of collection, . 

Total assets, per company's books, . 



277 91 
490 00 



. $200,818 17 



Liabilities. 

Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



Surplus over capital, . 



$245 00 
95 80 



340 80 



0200,477 37 
200,000 00 

|477 37 



Risks and Premiums. 
Risks written during 1895, .... $42,000 00 



Net amount in force, . 



$42,000 00 



Premiums. 

$490 00 



$490 00 



Miscellaneous. 
Company's stock owned by directors, 



. $147,000 00 



Schedule A. 



Bonds owned by the 



United States bonds, 
Aroostook County, Me., bonds, 
City of Holyoke, Mass., bonds, 
City of Boston, Mass., bonds, . 
City of Providence, R. I., bonds, 
Town of Natick, Mass., bonds, 
City of Newton, Mass., bonds, . 
City of Brockton, Mass , bonds, 
Boston & Albany Railroad bonds, 
Fitchburg Railroad bonds, 
Maine Central Railroad bonds, 
Boston & Maine Railroad bonds, 
Old Colony Railroad bonds, . 



Company. 

Cost Value. 

$27,718 75 
21,700 00 
13,991 25 
27,437 50 
5,225 00 
10,650 00 
13,910 00 
15,787 50 
10,637 50 
15,131 25 
15,050 42 
10,512 50 
10,650 00 



Market Value. 

$27,718 75 
21,700 00 
13,991 25 
27,437 50 
5,225 00 
10,650 00 
13,910 00 
15,787 50 
10,637 50 
15,131 25 
15,050 42 
10,512 50 
10,650 00 



$198,401 67 $198,401 67 



268 THE NEW JERSEY PLATE-GLASS INSURANCE COMPANY.' 



"THE NEW JERSEY PLATE-GLASS INSURANCE COMPANY," 

NEWARK, N. J. 

[Incorporated April 2, 1868. Commenced business Sept. 15, 1868.] 

Paid-up Capital, $100,000. 

Samuel C. Hoagland, President. Byron G. Hager, Secretary. 

Income. 

Premiums outstanding Dec. 31, 1894, . . $8,817 24 

Premiums on risks written or renewed, . . 55,503 36 

Total, . $64,320 60 

Premiums now in course of collection, . . 12,339 54 

Entire premiums collected, . . . $51,981 06 
Less reinsurance arid return premiums, . . 2,639 79 

Net cash premiums received, . . . $49,341 27 

Interest and dividends received from all sources, . , . 5,383 66 

Total income, $54,724 93 

Net or ledger assets Dec. 31, 1894, ...... 125,742 74 

Total, $180,467 67 

Disbursements. 

Cash paid for claims, ..... $19,918 18 
Deduct salvage and reinsurance, . . . 4,915 16 

Net cash paid for matured claims, . . — $15,003 02 

Cash dividends paid, 6,000 00 

Cash paid for commissions and brokerage, .... 15,370 67 

for salaries and expenses of officers and employees, 6,082 63 

for taxes and fees, 2,001 81 

for rent, 712 50 

for legal expenses, 12 00 

for incidentals, , 1,942 64 

Total disbursements, $47,125 27 

Balance, .......... f 133,342 40 

Invested in the following : — 

Assets as per Ledger Accounts. 

Loans on mortgage of real estate (first liens), . . . $118,545 00 

Cash in company's office, . 3,586 13 

Cash deposited in bank, . , . . . . , . 11,211 27 

Total net or ledger assets, as per balance, . . . $133,342 40 



THE NEW YORK PLATE-GLASS INSURANCE COMPANY. 269 



Other Assets. 

Interest due and accrued, . . 

Gross premiums in course of collection, , • 

Total assets, per company's books, . , 

Liabilities. 

Claims adjusted or in process, , 

Unearned premiums on outstanding risks, , 

Due and accrued for rent, salaries, etc., . • 

Commissions and brokerage, . ■ 

Gross liabilities, except capital, . . . 

Surplus as regards policy-holders, . 
Paid-up capital, ...... 





$1,325 


96 


• . • 


12,339 


54 


• t • 


$147,007 


90 


$644 11 






28,881 08 






64 55 






3,239 11 


S9.89ft 


85 



Surplus over capital, . 



Risks and Premiums. 



Risks outstanding Dec. 31, 1894, 
Risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$1,735,727 00 
1,665,091 00 



53,400,818 00 
1,187,026 00 

^2,213,792 00 



Miscellaneous. 

Premiums received from organization of company, 
Claims paid from organization of company, . 
Cash dividends declared from organization of company 
Claims incurred during the year, .... 
Company's stock owned by directors, . 



$114,179 05 
100,000 00 

$14,179 05 



Premiums. 

$54,130 62 
55,503 36 

$109,633 98 
48,693 61 



,940 37 



$475,157 00 

163,035 00 

52,828 00 

15,312 00 

81,010 00 



" THE NEW YORK PLATE-GLASS INSURANCE COMPANY," NEW 

YORK, N. Y. 

[Incorporated March 19, 1891. Commenced business March 19, 1891.] 

Paid-up Capital, $100,000. 

Max Danziger, President, Major A. White, Secretary. 

Income. 
Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, 



Total,. 
Premiums now in course of collection, 

Entire premiums collected, . 
Less reinsurance and return premiums, 
Net cash premiums received, , 



129,935 04 
249,791 27 



$279,726 31 
35,883 81 

$243,842 50 
49,277 33 



$194,565 17 



270 THE NEW YOEK PLATE-GLASS INSURANCE COMPANY. 

Interest and dividends received from all sources, . . . $9,462 81 

Profit on securities sold, . . . . . . . . 25 00 

Total income, . . . $204,052 98 

Net or ledger assets Dec. 31, 1894, '. 216,753 89 

Total, $420,806 87 

Disbursements. 

Cash paid for claims, . * . . . . $53,795 41 
Deduct salvage and reinsurance, ' . . . 650 41 

Net cash paid for matured claims, . . $53,145 00 

Cash dividends paid, . 5,000 00 

Cash paid for commissions arid brokerage, . . . 57,294 49 

for salaries and expenses of officers and employees, 27,315 40 

for taxes and fees, > . * . * ', . . . 4,905 50 

for rent, .......... 4,183 00 

for legal expenses, . . . . . . . 894 31 

for incidentals, , . 7,484 87 

Total disbursements, . $159,722 57 

Balance, . . . . $261,084 30 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of stocks and bonds owned (schedule A), . . $255,260 99 

Cash in company's office, 3,136 15 

Cash deposited in bank, . 2,680 80 

Agents' debit balances, . 6 36 

Total net or ledger assets, as per balance, . . . $261,084 30 

Other Assets. 

Gross premiums in course of collection, not over 3 mos. due, . 32,233 66 

Gross premiums in course of collection, over 3 mos. due, . 3,650 15 

Total assets, per company's books, $296,968 11 

Items not Admitted and Depreciation. 

Agents' debit balances, . . . . . $3,650 15 

Depreciation from cost of assets, " . . . 9,560 99 

Total . 13,211 14 

Total admitted assets, $283,756 97 



THE NEW YORK PLATE-GLASS INSURANCE COMPANY. 271 



Liabilities. 

Claims adjusted or in process, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Due and accrued for rent, salaries, etc., 
Return premiums, .... 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, . ' . 



Surplus over capital, 



$3,655 16 

100,798 43 

5,000 00 

747 24 

477 71 

10,047 46 



$120,726 00 



$163,030 97 
100,000 00 

$63,030 97 



Risks and Premiums. 



Risks outstanding Dec. 31, 1894, 
Risks written during 1895, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



^6,704,704 00 
9,812,537 00 

,517,241 00 
8,558,981 00 



Premiums. 

$189,664 05 
249,791 27 

$439,455 32 
237,858 47 



$7,958,260 00 $201,596 85 



Miscellaneous. 
Premiums received from organization of company, 
Claims paid from organization of company, . 
Cash dividends declared from organization of company, 

Claims incurred during the year, 

Company's stock owned by directors, .... 



$762,830 00 

223,100 00 

12,500 0C 

55,198 00 

47,900 00 



Schedule A. 

Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

Chicago, Milwaukee & St. Paul stock, . . $12,112 50 $12,650 00 

Central Park, North & East River R.R. stock, 16,188 49 16,500 00 

Chicago & Northwestern Railroad stock, . 14,612 50 14,600 00 

Consolidated Gas Co. stock, . . . . 14,600 00 14,850 00 

United States bonds, 120,625 00 111,000 00 

New York, Ontario & Western Railroad bonds, 10,312 50 10,900 00 

Chicago, Rock Island & Pacific Railroad bonds, 9,722 50 10,350 00 

Seattle, Lake Shore & Eastern Railroad bonds, 4,750 00 2,000 00 

Northern Pacific Terminal bonds, . . . 10,556 25 10,500 00 

Laclede Gas Light Co. bonds 8,756 25 9,350 00 

Chicago, Burlington & Quincy Railroad bonds, 11,612 50 12,000 00 

Edison Electric 111. Co. bonds, .... 10,775 00 10,700 00 

New York, Susquehanna & West. R.R. bonds, 10,637 50 10,300 00 



$255,260 99 $245,700 00 



272 THE STANDARD LIFE AND ACCIDENT INSURANCE CO. 



"THE STANDARD LIFE AND ACCIDENT INSURANCE COM- 
PANY," DETROIT, MICH. 

[Incorporated May 29, 1884. Commenced business Aug. 1, 1884.] 
Paid-up Capital, $200,000. 



D. M. Ferry, President. 



Income. 



Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 

Net cash premiums received, . 
Interest received on mortgages, 
Interest and dividends received from all 



Total income, .... 
Net or ledger assets Dec. 31, 1894, . 



Total, 



Stewart Marks, Secretary. 



Ace. and Emp. Liab. 

$233,736 27 
1,213,115 30 



$1,446,851 57 
256,673 01 

$1,190,178 56 
247,786 02 



other sources, 




|942,392 54 

20,775 09 

7,542 46 

$970,710 09 
579,246 22 



f 1,549,956 31 



Disbursements. 

Cash paid for matured claims, ....... $452,264 55 

Cash dividends paid, ........ 12,000 00 

Cash paid for commissions and brokerage, * 230,541 89 

for salaries and expenses of officers and employees, 97,294 04 

for medical examiners 1 fees, ..... 3,510 76 

for inspections, ....... 13,518 72 

for taxes and fees, ..,..,. 26,467 85 

for rent, 11,593 77 

for legal expenses, ....... 10,129 84 

for furniture, advertising and printing, . . . 29,378 18 

for all other expenses, ...... 27,970 61 

Total disbursements, -. $914,670 21 



Balance, $635,286 10 



Invested in the following: — 



Assets as per Ledger Accounts. 

Cost value of real estate, . 

Loans on mortgage of real estate (first liens), . . 
Cost value of stocks and bonds owned (schedule A), 



$6,000 00 
347,480 23 
214,250 00 



THE STANDARD LIFE AND ACCIDENT INSURANCE CO. 273 



Cash in company's office, . 
Cash deposited in bank, . 
Bills receivable, 



$2,009 76 

64,676 29 

869 82 



Total, . " $635,286 10 

Other Assets. 



Interest due and accrued, 

Reserve on business reinsured in foreign companies, 
Gross premiums in course of collection, . 

Total assets, per company's books, . 



17,117 89 

8,216 24 
256,673 01 

$917,293 24 



Items not Admitted and Depeeciation. 

Bills receivable, $869 82 

Reserve on business reinsured in foreign companies, 8,216 24 
Depreciation from cost of assets, .... 250 00 

Total . . . 9,336 06 

Total admitted assets $907,957 18 

Deduct special deposits in other States, 63,650 00 

Balance, . $844,307 18 

Liabilities. 



Claims adjusted or in process, . 
known or reported, 
disputed or resisted, 

Total amount of claims, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, . . 



Surplus over capital, 



$5,062 39 
19,367 61 
93,560 63 

$117,990 63 

464,558 44 

63,102 85 

$645,651 92 
47,727 33 



597,924 59 



$246,382 59 
200,000 00 



$46,382 59 



Risks and Premiums. 

Ace. and Emp. Llab 



Risks outstanding Dec. 31, 1894, . 
Risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



Premiums. 

$109,412,630 00 $851,866 20 
163,759,790 00 1,213,115 30 



$273,172,420 00 $2,064,981 50 
152,217,730 00 1,135,864 62 



$120,954,690 00 $929,116 88 



274 



THE TRAVELERS INSURANCE COMPANY. 



Miscellaneous. 

Premiums received from organization of company, , 

Claims paid from organization of company, . 

Cash dividends declared from organization of company, 

Claims incurred during the year, 

Company's stock owned by directors, .... 



^6,082,957 00 

2,889,149 00 

36,000 00 

452,265 00 

138,000 00 



Schedule A. 
Bonds owned by the Company. 



Muskegon City bonds, .... 

Plymouth water bonds, .... 

Nashville trunk sewer bonds, . 

Santa Fe, Prescott & Phoenix Railroad bonds 

Menominee school bonds, 

Cuyahoga County bonds, ... 

Hamilton County bonds, .... 

Stanton City bonds, 

Sioux City bonds, ..... 



Cost Value. 

$10,710 00 
26,250 00 
75,000 00 
17,000 00 
11,390 00 
27,375 00 
25,625 00 
10,650 00 
10,250 00 



Market Value, 

$10,585 00 
26,250 00 
75,000 00 
17,000 00 
11,265 00 
27,375 00 
25,625 00 
10,650 00 
10,250 00 



$214,250 00 $214,000 00 



"THE TRAVELERS INSURANCE COMPANY," HARTFORD, CONN. 

[accident department] 

[Incorporated June 17, 1863. Commenced business April 1, 1864.] 
Paid-up Capital, $1,000,000. 

James G. Batterson, President. Rodney Dennis, Secretary, 

Income. 

Ace. and Emp. Liab. 

Entire premiums collected $2,678,304 67 

Less reinsurance and return premiums, . . 34,577 80 

Net cash premiums received, . . . $2,643,726 87 

Interest and dividends received from all sources, . . . 132,476 18 
Profit and loss account, 1,325 72 

Total income, $2,777,528 77 

Net or ledger assets Dec. 31, 1894, 3,497,409 91 

Total, $6,274,938 68 

Disbursements. 

Cash paid for matured claims, .... $1,314,533 96 
Deduct salvage and reinsurance, . . . 72,246 42 

Net cash paid for matured claims, . . $1,242,287 54 



THE TRAVELERS INSURANCE COMPANY. 275 

Cash paid for commissions and brokerage, .... $708,724 34 

for salaries and expenses of officers and employees, 220,603 35 

for medical examiners' fees, 17,966 17 

for inspections, 2,738 55 

for taxes and fees, 44,696 32 

for rent, 29,615 80 

for legal expenses, 83,736 05 

for furniture, advertising, printing, etc., . . 46,356 20 

for incidentals, 58,850 23 



Total disbursements, ........ $2,455,574 55 

Balance, $3,819,364 13 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of stocks and bonds owned (schedule A), . $2,887,897 92 

Cash in company's office, . 929 28 

Cash deposited in bank, . 372,756 42 

Agents 1 debit balances, 2,507 92 

Suspense account, 555,272 59 

Total, $3,819,364 13 

Other Assets. 
Interest due and accrued, 29,494 99 

Total assets, per company's books, f 3,818,859 12 

Items not Admitted and Depreciation. 

Agents' debit balances, ..... $2,507 92 

Suspense account, , . . ... 555,272 59 

Depreciation from cost of assets, . . . 106,573 52 

Total, 664,354 03 

Total admitted assets, . . . . , , . $3,184,505 09 

Liabilities. 
Claims adjusted or in process, .... $77,421 35 
Claims disputed or resisted, .... 560,344 08 

Unearned premiums on outstanding risks, . 1,241,692 94 
Due and accrued for rent, salaries, etc., , . 10,000 00 

Gross liabilities, except capital, , . 1,889,458 37 

Surplus as regards policy-holders, ..... $1,295,046 72 
Paid-up capital, ......... 1,000,000 00 

Surplus over capital, . , . . . . . . $295,046 72 



276 



THE TRAVELERS INSURANCE COMPANY. 



Risks and Premiums. 



Risks outstanding Dec. 31, 1894, 
Risks written during 1895, 

Total, . . . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . , 



Ace. and Emp. Liab. Premiums. 

$261,618,226 00 $1,644,556 69 
. 493,201,100 00 2,678,304 67 



$754,819,326 00 $4,322,861 36 
. 409,808,050 00 2,328,354 04 



$345,011,276 00 $1,994,507 32 
. 1,034,000 00 3,199 96 



$343,977,276 00 $1,991,307 36 



Miscellaneous. 

Premiums received from organization of company, 
Claims paid from organization of company, . 
Cash dividends declared from organization of company 
Claims incurred during the year, .... 
Company's stock owned by directors, 



$42,747,020 00 
. 18,454,252 00 
. 1,758,000 00 
. 1,378,172 00 
91,900 00 



Schedule A. 

Stocks and Bonds owned by the Company. 



Washington State warrants, . 

Colorado State warrants, . 

Tennessee State bonds, 

Johnson County, 111., bonds, . 

White County, 111 , bonds, 

Lucas County, Ohio, bonds, 

Hamblen County, Tenn., bonds, 

Henderson County, N. C, bonds, 

Llano County, Tex., bonds, 

Montrose County, Col., bonds, . 

Mesa County, Col., bonds, 

Rio Arriba County, N. M., bonds, 

Union County, Ore., warrants, . 

Spokane County, Wash., warrants, 

School Dist. No. 7, Cass County, Dak., bonds 

School Dist. No. 1, Montrose Co., Col., bonds 

Reidsville, N. C, town bonds, . 

Howard Township, Kan., bonds, 

Paw Paw Township, Kan., bonds, 

Parsons, Kan , city bonds, 

Lima, Ohio, city bonds, 

Richmond, Va., city bonds, 



Cost Value. 

$10,032 00 

37,081 69 

23,700 00 

13,385 61 

8,060 44 

51,000 00 

25,000 00 

55,900 00 

63,125 00 

5,200 00 

7,000 00 

1,896 00 

9,762 06 

15,600 00 

23,000 00 

4,000 00 

25,000 00 

20,441 43 

6,813 50 

20,000 00 

15,980 00 

53,377 50 



Market Value. 

$10,032 00 

37,282 91 

20,856 00 

14,000 00 

8,500 00 

51,000 00 

25,000 00 

55,900 00 

63,125 00 

5,200 00 

7,000 00 

2,200 00 

9,762 06 

15,600 00 

23,000 00 

4,000 00 

25,000 00 

24,000 00 

8,000 00 

20,000 00 

16,000 00 

54,000 00 



TIIE TRAVELERS INSURANCE COMPANY. 



277 



Salisbury, N. C, city bonds, 

Fort Worth, Tex., city water bonds, 

Bastrop, Tex., city bonds, 

Houston, Tex., city bonds, 

Cartersville, Ga., city bonds, . 

Dalton, Ga., city bonds, . 

Tacoma, Wash., city warrants, 

Duluth, Minn., city warrants, . 

Chicago, Burlington & Quincy Railroad bonds 

Montana Central Railroad bonds, 

Indiana & Lake Michigan R.R. bonds, 

Chicago & Northwestern Railroad bonds, 

Cleveland, Ohio, Electric Railroad bonds, 

N. Y., N. H. & Hart. R.R. Co. con. deb. cer., 

Northwestern Telegraph Co. bonds, 

1,200 shares Chi., Burl. & Quincy R.R., . 

400 " Illinois Central R R., . 
4,813 " Pennsylvania Railroad, 
200 " Union Pacific Railroad, 
2,000 " Chicago, Mil. & St. Paul R.R , 
200 " Chicago & Northwestern Railroad 
266 " Chicago & Alton Railroad, . 
100 " Illinois Central Railroad, 
500 " Central Railroad Co. of N. J., 
368 " F. and Mech. N'l B'k, Hartf d, Ct. 
700 " American N'l B'k, Hartford, Ct., 
491 " City Nat'l Bank, Hartford, Ct., 
817 " Phoenix Nat'l Bank, Hartford, Ct. 
348 " -^tna Nat'l Bank, Hartford, Ct., 
200 " Mer. Nat'l Bank, Hartford, Ct., 
140 " N. Britain N'l B'k, N. Britain, Ct. 
400 " Home Nat'l Bank, Meriden, Ct., 
50 " Meriden Nat'l Bank, Meriden, Ct. 
30 " First National Bank, Meriden, Ct. 
100 " National B'k of Commerce, N.Y. 
730 " Nat'l Shoe & Leather Bank, N.Y. 
100 " St Paul Nat'l B'k, St. Paul, Minn. 
173 " First Nat'l Bank, Morris, Minn , 
500 " Hartford Trust Co., Hartford, Ct. 
2,000 " Western Union Telegraph Co., 
1,380 " Northwestern Telegraph Co., 
2,142 " Colorado Valley (Col.) Land Co. 



Cost Value. 

$40,086 00 
17,980 80 
15,525 00 
40,000 00 
24,375 00 
17,675 00 
16,500 00 
8,089 75 
24,000 00 
56,750 00 
50,000 00 
52,500 00 

20.000 00 
83,272 50 
51,318 00 

133,087 25 
50,689 58 

277,955 17 
23,462 50 

215,884 75 
23,268 75 
28,706 25 
8,644 00 
53,437 50 
48,806 87 
44,054 00 

54.001 75 
117,085 00 

44,261 62 
20,182 00 
17,540 00 
49,881 00 
6,050 00 
4,550 00 
13,975 00 

110,125 00 
10,000 00 
20,387 50 
49,878 15 

163,102 00 
71,255 00 

214,200 00 



Market Value. 

$45,000 00 
17,973 33 
15,525 00 
40,000 00 
24,375 00 
17,675 00 
16,500 00 
8,094 60 
28,815 00 
58,500 00 
50,000 00 
55,000 00 
20,000 00 
86,250 00 
52,425 00 
92,400 00 
37,200 00 

250,276 00 
825 00 

211,837 50 
29,000 00 
40,698 00 
9,000 00 
50,000 00 
41,584 00 
49,000 00 
50,573 00 
93,955 00 
50,460 00 
15,000 00 
22,400 00 
48,000 00 
6,000 00 
3,900 00 
20,600 00 
65,700 00 
10,000 00 
12,975 00 
72,500 00 

171,750 00 
75,900 00 

214,200 00 



1,887,897 92 $2,781,324 40 



278 UNION CASUALTY AND SUEETY COMPANY. 



" UNION CASUALTY AND SURETY COMPANY," ST. LOUIS, MO. 

[Incorporated Dec. 29,1892. Commenced business April 18, 1893.] 
Paid-dp Capital, $250,000. 
C. P. Ellerbe, President. O. K. Clardy, Secretary. 

Income. 

Accident. Employers' Liability. 

Premiums outstanding Dec. 31, 

1894, $124,534 63 $116,585 61 

Premiums on risks written or 

renewed, 498,720 65 405,363 84 

Total, $623,255 28 $521,949 45 

Premiums now in course of col- 
lection, . . . . " . 126,094 63 112,653 05 

Entire premiums collected, $497,160 65 $409,296 40 
Less reinsurance and return 
premiums, .... 100,262 36 70,933 92 

Net cash premiums received, $396,898 29 $338,362 48 

_ $735,260 77 

Plate-glass. Steam-boiler. 

Premiums outstanding Dec. 31, 

1894, $13,248 36 $10,598 70 

Premiums on risks written or 

renewed, .... 79,664 58 35,524 81 

Total $92,912 94 $46,123 51 

Premiums now in course of col- 
lection, 21,866 27 15,501 81 

Entire premiums collected, $71,046 67 $30,62170 
Less reinsurance and return 
premiums, .... 16,842 36 4,178 04 

Net cash premiums received, $54,204 31 $26,443 66 

80,647 97 

Interest received on mortgages, 10,682 62 

Interest from all other sources, 13,849 73 

Profit on securities sold, 667 60 

Total income, $841,108 69 

Net or ledger assets Dec. 31, 1894, 507,536 00 

Total, $1,348,644 69 



UNION CASUALTY AND SURETY COMPANY. 



279 



Disbursements. 
I Accident, .... 
Cash paid for ma- j Employers' liability, 



tured claims, 



Plate-glass, 
k Steam-boiler, 



$185,010 07 

171,515 52 

16,380 56 

3,516 37 



Cash paid for commissions and brokerage, . 

for salaries and expenses of officers and employees, 

for inspections, . 

for taxes and fees, 

for rent, . 

for legal expenses, 

for adjusting losses, 

for incidentals, . 

Total disbursements, . 

Balance, 

Invested in the following : — 

Assets as per Ledger Accounts. 

Loans on mortgage of real estate (first liens), 
Loans on collateral security (schedule A), 
Cost value of bonds owned (schedule B), . 

Cash in company's office, . 

Cash in bank and in transit, since received, . . , 
Agents' debit balances, 



$376,422 52 

268,961 09 

46,300 14 

11,245 72 

19,103 34 

5,150 22 

8,671 46 

16,741 96 

27,400 30 

$779,996 75 

$568,647 94 



$201,612 50 

25,000 00 

305,012 50 

1,656 05 

34,969 69 

397 20 



Total, $568,647 94 



Other Assets. 
Interest due and accrued, .... 

Market value of bonds, over cost, 
Gross premiums in course of collection, . 

Total assets, per company's books, . 

Items not Admitted. 

Agents' debit balances, 

Premiums over 3 months due, . . . . 
Total, - 



1,887 19 

5,622 50 

276,115 76 

$852,273 39 



$397 20 
10,000 00 



Total admitted assets, 



10,397 20 
$841,876 19 



Liabilities. 

f Accident, . . $3,405 00 

Claims adjusted j Emp. liab., . . 19,032 50 

or in process, j Plate-glass, . . 162 50 

'^Steam-boiler, . 104 00 



$22,704 00 



280 UNION CASUALTY AND SURETY COMPANY. 

Claims disputed J Accident, . . $2,000 00 
or resisted, ( Emp. liab., . . 67,750 00 

$69,750 00 

Unearned premiums on outstanding risks, , 344,394 81 
Commissions and brokerage, . . . 76,572 17 

All other liabilities, . . ... . . 1,95000 

Gross liabilities, except capital, . . $515,370 98 

Surplus as regards policy-holders, ..... $326,505 21 

Paid-up capital, . . 250,000 00 

Surplus over capital, . . . . . . . $76,505 21 

Risks and Premiums. 
Accident, 

Premiums. 

Risks outstanding Dec. 31, 1894, , . .$32,797,550 00 $330,575 12 

Risks written during 1895, .... 47,658,750 00 498,720 65 

Total, $80,456,300 00 $829,295 77 

Deduct risks expired and terminated, . . 44,020,250 00 537,949 69 

In force at end of year, . . . .$36,436,050 00 $291,346 08 

Plate-glass. 

Risks outstanding Dec. 31, 1894, . . . $462,311 00 $33,061 16 

Risks written during 1895, .... 1,256,496 00 79,664 oS 

Total,. . . $1,718,807 00 $112,725 74 

Deduct risks expired and terminated, . . 707,718 00 49,829 00 

In force at end of year, . . . . $1,011,089 00 $62,896 74 

Employers' 1 Liability. 

Risks outstanding Dec. 31, 1894, . . . $34,976,116 00 $293,239 64 

Risks written during 1895, .... 62,485,500 00 405,363 84 

Total,. ..... . .$97,461,61600 $698,60348 

Deduct risks expired and terminated, , . 54,540,249 00 387,723 08 

In force at end of year, ... . $42,921,367 00 $310,880 40 

Steam-boiler. 

Risks outstanding Dec, 31, 1894, . . . $10,359,097 00 $31,360 79 

Risks written during 1895, 10,941,350 00 35,524 81 

Total, .$21,300,447 00 $66,885 60 

Deduct risks expired and terminated, . . 11,455,800 00 43,019 20 

In force at end of year, .... $9,844,647 00 $23,866 40 



UNITED STATES CASUALTY COMPANY. 



281 



Miscellaneous. 

Premiums received from organization of company, 
Claims paid from organization of company, . 
Claims incurred during the year, .... 
Company's stock owned by directors, 



. $1,547,800 00 

598,284 00 

376,423 00 

85,600 00 



Schedule A. 
Securities held as Collateral. 

Market Value. Amount Loaned. 

385 shares Mississippi Valley Trust Co., . . $29,260 00 $25,000 00 

Schedule B. 



Bonds owned by the Company. 

Cost Value. 

St. Louis Agri. and Mechan. Asso'n bonds, . $ 15,150 00 

Laclede Building Co. 1st mortgage bonds, . 7,000 00 

St. Louis City bonds, 250,000 00 

Union Depot Railroad Co., St. Louis, bonds, . 22,227 50 

St. Louis Brewing Association bonds, . . 9,735 00 

St. Louis United Elevator Co. 2d mort. bonds, 900 00 



Market Value. 

$ 15,150 00 

7,000 00 

254,750 00 

23,100 00 

9,735 00 

900 00 



$305,012 50 $310,635 00 



« UNITED STATES CASUALTY COMPANY," NEW YORK, N. Y. 

[Incorporated May 2, 1895. Commenced business May 3, 1895.] 
Paid-up Capital, $300,000. 

Benjamin F. Tract, President. William H. Chesebrough, Jr., Sec'y. 



Premiums on risks written or 
renewed, .... 

Premiums now in course of col- 
lection, 



Income. 

Accident. 



Employers' Liab. 



$302,506 68 $90,956 50 



27,700 98 



22,669 71 



Entire premiums collected, $274,805 70 $68,286 79 
Less reinsurance and return 
premiums, .... 7,933 82 14,290 14 



Net cash premiums received, $ 266,871 88 $ 53,996 65 



282 



UNITED STATES CASUALTY COMPANY. 



Premiums on risks written or 
renewed, .... 

Premiums now in course of col- 
lection, . , . . . 

Entire premiums collected, 

Less reinsurance and return 

premiums, .... 

Net cash premiums received, 



Received from all other sources, 



Steam-boiler. 


Autom. Sprink. 




$9,979 14 


$7,948 37 




1,615 55 


1,915 00 




$8,363 59 


$6,033 37 




1,458 86 


1,004 17 




$6,904 73 


$5,029 20 


$332,802 46 






rom all sources, 


• • . • 


3,898 87 
3 30 



Total income, $336,704 63 

Capital stock and surplus paid in, 450,000 00 



Total, $786,704 63 



Disbursements. 

( Accident, . . . $74,299 86 

Cash paid for matured j Employers' liab., . 6,719 50 

claims, . . . ■ Steam-boiler, . . 1,000 00 

^Automatic sprinkler, 62 20 

Cash paid for commissions and brokerage, .... 
for salaries and expenses of officers and employees, 

for medical examiner's fees, 

for inspections, . . . . . 

for taxes and fees, 

for rent, . . . . . . . . 

for legal expenses, 

for printing and stationery, 

for incidentals, 



>,081 56 

53,914 04 

100,416 43 

687 65 

2,377 28 

6,212 82 

5,000 00 

9,058 33 

22,052 93 

13,736 00 



Total disbursements, $295,537 04 



Balance, .......... $491,167 59 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of stocks and bonds owned (schedule A), 

Cash in company's office, . 

Cash deposited in bank, . 

Agents" debit balances, 

Office furniture, etc., 

Cash advanced to agents and others, 



Total, $491,167 59 



$374,829 06 

5,842 34 

97,706 05 

199 75 

5,561 39 

7,029 00 



UNITED STATES CASUALTY COMPANY. 



283 



Other Assets. 

Interest clue and accrued, 

Gross premiums in course of collection, . 

Total assets, per company's books, . . 

Items not Admitted. 

Office furniture, etc., 

Cash advanced to agents and others, 

Agents 1 debit balances, 

Total, 

Total admitted assets, 
Deduct special deposits in other States, 



Balance, 



$4,841 67 
53,901 24 



$5,561 39 

7,029 00 

199 75 


$549,910 50 
12,790 14 




• 


$537,120 36 
17,512 50 



$519,607 86 



Liabilities. 

Claims adjusted C Accideut ' ■ -^6,464 00 

orin pi icess,1 Em P- liabili ^ ' 3 ' 141 30 
r C Steam-boiler, . 91 00 



Claims disputed ( Accident, . 
or resisted, . ( Emp. liability, . 



1,200 00 
750 00 



Unearned premiums on outstanding risks, 

Reinsurance due, 

Commissions and brokerage, . 

All other liabilities, ..... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, 
Paid-up capital, .... 



Surplus over capital, . 



$29,696 30 



9,950 00 

157,389 96 

276 33 

10,780 26 

500 00 



$208,592 85 
1,673 44 



206,919 41 



$312,688 45 
.300,000 00 



$12,688 45 



Risks and Premiums. 

Accident. 



Risks written during 1895, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . . , 



Premiums. 

$377,293,775 00 $365,211 39 
222,516,175 00 138,794 21 



$154,777,600 00 $226,417 18 
2,205,185 00 1,110 90 



$152,572,415 00 $225,306 28 



284 



UNITED STATES GUARANTEE COMPANY. 



Employers' Liability. 



Risks written during 1895, 

Deduct risks expired and terminated, 

In force at end of year, 

Steam-boiler. 
Risks written during 1895, . . , 
Deduct risks expired and terminated, 

In force at end of year, . . 



Automatic Sprinkler. 
Risks written during 1895, 
Deduct risks expired and terminated, 

In force at end of year, . 



.$14,442,001 00 
. 2,839,500 00 



$731,500 00 



Miscellaneous. 
Premiums received from organization of company, « 
Claims paid from organization of company, .... 

Claims incurred during the year, 

Company's stock owned by directors, ..... 

Schedule A. 
Stocks and Bonds owned by the Company. 

Cost Value. 

City of New York consolidated stock, . . $256,316 56 

United States bonds, 17,512 50 

New York city bonds, 101,000 00 



Premiums. 

$76,957 10 
3,768 55 



. $11,602,501 00 


$73,188 55 


. $4,493,800 00 


$8,502 28 


. 1,516.500 00 


564 80 


. $2,977,300 00 


$7,937 48 


ler. 

. $1,094,500 00 


$6,944 20 


363,000 00 


832 24 



;,m 96 



$332,802 00 

82,082 00 

121,728 00 

102,400 00 



Market Value. 

$256,316 56 

17,512 50 

101,000 00 



$374,829 06 $374,829 06 



" UNITED STATES GUARANTEE COMPANY," NEW YORK. 

[Incorporated Jan. 18, 1890. Commenced business Jan. 30, 1890.] 
Paid-up Capital, $250,000. 



Edward Rawlings, President. 



Income. 



Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 
Net cash premiums received, . . , 



D. J. Tompkins, Secretary. 



),225 87 
120,351 17 

$130,577 04 
14,387 13 

$116,189 91 
23,572 39 



,617 52 



UNITED STATES GUARANTEE COMPANY. 285 

Interest received on mortgages, $2,353 33 

Interest and dividends received from all other sources, . . 10,421 87 



Total income, ......... $105,392 72 

Net or ledger assets Dec 31, 1894, 362,644 11 



Total, '.,... $468,036 83 

Disbursements. 

Cash paid for matured claims, .... $18,407 77 
Deduct salvage and reinsurance, . . . 6,914 63 

Net cash paid for matured claims, . . $11,493 14 

Cash dividends paid, 15,000 00 

Cash paid for commissions and brokerage, .... 12,78039 

for salaries and expenses-of officers and employees, 13,548 70 

for inspections, . . 1,945 10 

for taxes and fees, . . , . . . . 1,925 72 

for rent, 2,431 33 

for legal expenses, 722 60 

for incidentals, 8,205 12 

Total disbursements, . . $68,052 10 

Balance, . . f399,984 73 

Invested in the following: — 

Assets as per Ledger Accounts. 

Cost value of real estate, $2,060 00 

Loans on mortgage of real estate (first liens), . . . 38,000 00 

Cost value of stocks and bonds owned (schedule A), . 328,030 97 

Cash in company's office, 331 94 

Cash deposited in bank, . . 31,561 82 

Total, ...... $399,984 73 

Other Assets. 

Interest due and accrued, 3,633 00 

Gross premiums in course of collection, . . . . . 14,387 13 

Total assets, per company's books, $418,004 86 

Deduct depreciation from cost of assets, 18,433 47 

Total admitted assets, , $399,571 39 



286 



UNITED STATES GUARANTEE COMPANY. 



Liabilities. 

Claims adjusted or in process, .... $40,286 89 

Unearned premiums on outstanding risks, . 48,419 26 

Due and accrued for rent, salaries, etc., . . 300 00 

Reinsurance due other companies, . . . 1,627 32 

Commissions and brokerage, .... 1,430 74 

Gross liabilities, except capital, ' . . 

Surplus as regards policy-holders, 

Paid-up capital, 



$92,064 21 



,507 18 
250,000 00 



Surplus oyer capital, ........ $57,507 18 



Risks and Premiums. 



Risks outstanding Dec. 31, 1894, 
Risks written during 1895, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . . , 



.$18,558,509 00 
. 24,736,433 00 



.$43,294,942 00 
. 22,429,252 00 



.$20,865,690 00 
. 2,291,250 00 



.$ 18,574,440 00 



Premiums. 

$94,540 36 
120,351 17 

f214,891 53 
108,504 95 

$106,386 58 
10,252 73 



,133 85 



Miscellaneous. 

Premiums received from organization of company, 

Claims paid from organization of company, . 

Cash dividends declared from organization of company, 

Claims incurred during the year, 

Company's stock owned by directors, . 



5473,811 00 

148,480 00 

60,000 00 

38,100 00 

54,400 00 



Schedule A. 
Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

Western Union Telegraph Co. stock, . . $25,187 50 $27,360 00 

New York, Lackawanna & West. R.R. stock, . 11,400 00 11,800 00 

St. Paul, Minn. & Manitoba R.R. stock, . . 11,100 00 11,400 00 

New York City bonds, 102,325 34 93,000 00 

Brooklyn City bonds, 66,247 50 66,247 50 

United States bonds, 111,770 63 99,790 00 



$328,030 97 $309,597 50 



ASSESSMENT CORPORATIONS. 



LIFE, CASUALTY, FRATERNAL. 



288 



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03 


OQ 
Sh 

© 


d 
d 

CD 

Ph 
-d 

Si . 

03 


a 

03 


ti 
CD 


s 

T3 




OQ 

O 


Sh 
© 

3 


Sh 

© 

4-3 


© 

# © 


O 
■ 

4-3 
GO 


^H 
© 

o3 


i 

03 
Sh 
Sh 


d 

d 

s- 


cE 
o 


pH 
>> 


P4 
f— i 


d 

c3 


d 

c3 

d 


d 

03 

s 


o 

o 

d 


d 


Sh 

d 


Sh 

d 


03 

d 


© 

hQ 

d 


o 
Ph 

d 


o 

Ph 
d 


© 

H 

d 


© 

H 
d 


d 




^3 








o 


o 


o 


o 


o 


o 


o 


o 


o 


o 


o 


o 


.O 




d 








+3 




4-3 




4-3 




4-3 














C 




>► 


> 


O 


00 


OQ 


00 


00 


OQ 


OQ 


OQ 


CO 


00 








C 


~j 


03 


03 


CD 


CD 


O 


O 


o 


C 


O 


o 


o 


O 


O 


O 


o 


o 


o 


<J 


«1 


pq 


pq 


pq 


pq 


pq 


pq 


pq 


pq 


pq 


W 


PQ 


PQ 


PQ 


PQ 


pq 


pq 


PQ 



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a 
d 

-4-3 
ft 

5 



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CJ 03 
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O 



Cl 



300 



STATISTICAL TABLES. 



o> 
a 

'-4-3 

a 
o 
O 



CO 

6 

•J 

M 









50 






























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03 


I 


3 


o 
o 

p 

p 
o 


o 

o 
O 
si 

Ph 


o 

O 


a 

|q 

o 
H 


p 

CD 


>> 

p 
►q 

W 

CO 

03 

a 


Si 


'o 
u 

i- 
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co 

M 
O 

O 


(A 

CD 
co 

CO 

P 


Ph 

P 

Cm 
P 


CO 

'S 

S 
03 
CD 


2 

pP 

o 


p 
o 

EH 


CD 

ciC 

03 
Ph 

t-s 

CO 

'si 


o 

CO 






-t-3 

cs 

Si 

p 

-P 

H 


p 

u 
Cm 


o 
to 

p 


Cm 

P 


< 

cD 

fcJ3 


03 

P 

'C 

P 


U 

P 
P 


Ph 
H 




pq 

< 

p 


13 

o! 


Ph 

p-4 

CD 




* 


(3 


o 


1 


O 


O 


-a 


o 


6 


,p 


pd 


# 


oS 


p 






Cm 


<j 


W 


p— t 


O 
r-S 


CD 

o 


rP 
H 


Ph 


o 


CD 

o 


CD 

O 


o 

r-9 


o 


^ 


^ 


03 

p 


a 

co 
2 


i 
I 


s-T 

.2 

p— < 
CD 

o 


p 

CO 

p 

02 


P* 
o 

p 
pp 

O 

t-9 


p 

cS 

a 


si* 

03 
CD 

C 

02 


DC? 

P 


'ol 
CD 

Cm* 


p 
o 


of 

p 

O 
o 


CD 
P 
P 
CD 

H 


tA 

P 
f-4 


CO 

p 
'3 


CD 

s 

p 

<1 


CD 

P 

03 
«-■ 

Ph 

CO 


0? 
CO 

ll 
O 


CD 
P 

is 

O 

H 


tm 




o 

pq 


P 


tf 


►-» 


O 


3 


Ph 


P 


o 


d 


p 

Si 

o 

pO 
co. 

O 


a 


< 




1 


CO 

13 
fcO 

13 


P 
o3 


6 


o 

si 
P 
O 


O 
(SO 

o 


<D 

P 

a 


03 

a 

o 


^3 
& 

CD 


O 

P 

Xi 


CD 

P 

a 


Pm 

a 


6 


pp 

Ph 
CD 


p 
pp 


P 
'$ 

13 






Em 


O 


<1 


CD 


03 


fP 

H 


O 

*-> 


o 

r-3 


•3 
02 


£ 


CD 

o 


O 
r-S 


< 


o 

r-S 


c 




P 
















>* 
















.2 
oa 

CJ 

o 


• 


e3 
PM 
03 


13 
SM 


p 


p 


• 


o 

CD 

fcD 
13 


13 


• 


p 






• 


to 

13 


03 


• 


' 




S3 
O 


"3 


o 


^ 


^ 


P 

o 


^2 






r^ 


CD 

CO 


CD 

00 


2 

p 


pQ 


-P 
CD 


P 
O 


P 

o 






fl 


■73 

o3 


o 


o 

o 


CO 


a 


a 


ts 


o 
o 


CD 


CD 


a 


P 
O 


co 


CO 




o 


03 


S-i 




Hi 


O 


03 


03 


o 


Si 


rP 


■P 


^p 


03 


O 


O 




W 


1-5 


w 


W 


w 


PQ 


O 


o 


l-j 


PQ 


o 


u 


o 


O 


CQ 


w 


PQ 




CO 


OS 


o 


b- 


r— 


CM 


i— < 


S 






00 


CJS 


ira 


tH 


i— i 


t^ 


■*K 




Ci 


oo 


oa 


00 


oo 




oo 


OS 


oo 


t^ 


00 


CO 


OS 


co 


l>. 


OS 


"S 
ph 
O 


00 


CO 


co 


00 


oo 




oo 


00 


oo 


00 


00 


00 


CO 


00 


CO 


00 


CO 


CO 


1— 1 


to 


co 


<* 


T*< 


CM 


o 


■^ 


IQ 




OS 


i— 


lO 




kCJ 


O 


a 


CM 




1— 1 


CN 




CM 


<M 


CM 


p— t 




1— 1 


r-H 


CM 




i— t 


p-H 


CM 


o 
o 

B 
1— 1 


o 

p 


p 


p 

o3 


03 


o 


03 

3 


P 
03 

Hi 


>> 
03 

3 


3 


-1-3 

eu 

CD 


p 

03 


03 
3 


CD 

Cm 


CD 

P 
P 
r-S 


4-3 

P. 

CD 
CO 


CJ 

o 


Ph 
CD 

CO 




















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p" 




















o 














^ 


o 




• 


• 


• 


• 


• 


• 


• 


• 


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CD 


• 


• 


• 


• 


• 


• 


13 
P 
03 


o3 




















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•^ 












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. 


. 






. 


# 


a 


'o 












p 


o 

CO 




jj 










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o 




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3 


p 

p 












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< 
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.s 

"3 

o 

CO 
CO 

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°3 
o 

CO 

13 

r— 1 
03 
P 

+i 
P 

P 


p 
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.2 

"3 
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CO 


p 

.2 

.2 
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o 

CO 
CO 


p 
.2 

•S 
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CO 
CO 

< 


,c3 

'3 
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CO 
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<J 

CD 


P 

.2 

03 


.2 

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o 

co 

CO 

< 
T) 


CD 

,P 

Cw 
O 

P 

.2 

"•+3 
o3 


o 
O 

CD 

a 

CD 
!h 

Ph 

P 


P 

.2 
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P 

.2 


p 
.2 

.2 
'3 
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• 


C3 
P 

.2 

03 

'5 
o 

CO 
CO 


CD 

P" 
O 
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.2 


-k3 
P 

CD 

rp 

'3 
o 

< 

p 




cp 

CD 

p 

<o 
pq 

CO 

"p 

a 

fciD 

g 

O 


< 

# CD 

« 
CO 

*p 

CD 

a 

CD 
H 

l3 


< 

C*-H 
.2 
"3 

CO 

P 
<d 

a 
p 

<D 

P 


13 

"el 
P 

P 

CD 
CD 

Ph 

CD 

P 


CD 

pci 

i— ( 
03 
P 

+i 

P 

a 
d 

s 7 


o 

CO 
CO 

< 

-i-a 
P 
CD 

"o 

> 
CD 
P 
<D 

pq 

CD 

to 

13 


< 

P 
■+-> 

P 

s 

8 

"o 
Pm 

CD 

bC 

13 


u 

o 

O 
O 

P* 

.2 
"3 
o 

CO 
CO 

<1 


P 

O 

'5b 

CD 
P 

P 

s 

o 

> 

CD 
P 
CD 

m 

o 


o 

CO 
CO 

< 

fp 

CD 

p 

CD 

pq 

r o3 
P 

P 

3 


_o3 
"o 
o 

OQ 
CO 

<J 

Cl-< 

CD 

Ph 

CD 

_o 

'o 
Ph 


CO 

CO 

< 

.2 

'cD 

Ph 

CD 

~P 
CD 

a 

CD 

Cm 


P 

_o 

"h-s 
03 

O 
Oh 
U 

o 
O 

S 
"3 

03 
P 


< 

« 

CD 

a 

CD 

w 

"eg 
P 

P 
P 


O 

CO 

CO 

< 

"co 
3 

p» 

03 
H 

[3 
"3 

Si 


4) 
-u 
co 
03 

Ph 
*o> 

Si 
CD 

"cD 

03 

H 

'3 

Si 





o 


O 

-^ 

CO 


O 


3 


r— i 


03 

,P 




^3 


3 


1— 1 

o 


o3 
CD 


c3 

CD 


p 
o 


'pP 

a 


CD 

a 


CD 

a 




CO 


>, 


i3 

03 


o 
o 


o 
o 


P 


a 


a 


A 


rP 


'3 


t— i 
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p 


pQ 


s 


a 


a 




O 


O 


Jh 


Si 


u 


P 


03 


03 


03 


03 


Xi 


pP 


^p 




o 


o 


o 




W 


m 


pq 


W 


PQ 


pq 


u 


o 


O 


o 


O 


o 


O 


o 


O 


o 


O 



FRATERNAL BENEFICIARY ASSOCIATIONS. 



301 









t*. 






<o 




"™! 










© 














a 

"3 
o 

Si 

.3 
o 
rn 


Pw 


o 


d 

d 


d 
d 

pq 


'5 


eo 

£1 

«1 


o 

a 

o 
Q 


J-c 

a 

o 
o 


CD 

3 

CD 

S-i 


i-s 


09 

3 


a 


T3 


W 


a 


ft 

ft 


M 




u 


3 


a 


(H 


.O 


e3 




cd 


o 


3 

33 




cd 


3 




O 


a 


o 


CO 

3 


bn 


O 

t-9 


< 


>> 

o 


m 


£ 


03 
1-9 




Eh 


O 


w 



o 
d 

o 

w 



a 

GO 



33 
ft 



pq 



o o 



33 
ft 



o 



* 5 



03 

33 
u 



d 
a 

03 

o 

© 



o 

83 

W 



s 



w ? 



s £ 



o 
K2 

T3 



3 

d 



w 



03 
Q 






Ui 




33 


p> 


CD 


o 


o 


h-1 


Ph 


OS 


a 


ft 

-d 

n 




03 


o 




^3 


a 


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O 


£ 


n3 



a 

33 



Ph 

a 



* £ 



PI 

O 



c 
03 



d 

d 

•a a 



o 

CO 

-d 

03 

33 



pq 



O 

Ph 



o 
Ph 



3 
33 



03 

w 



<1 a 



Ph <j Ph pq <3 «< 



e8 

Q 



CD 


3 


H 




r3 


o 


03 

Ph 


3 


• 


o 
O 


d 

d 


3 


* 


en 


00 


03 
> 
O 


o3 

a 


3 


03 
CO 


a 

o 




03 






4-1 


© 


CO 


•-» 


CO 


H 



o 
PQ 



Ph Ph 



3 

Ph 



3 

Ph 



o 
pq 



PQ 

CD 



O 

PQ 



3 
-d 
H 
03 

© 



o 

PQ 



o 
pq 



o 
PQ 



3 

d 
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o 

pq 



Ph 

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03 



3 
O 

© 



o 
pq 



33 33 

J-» S-i 

CD CD 

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o3 o3 

w w 



pq 



o 



OS 

oo 



CO — I 
OS OS 

0O 00 



<M CO CN 

OS OS OS 
00 00 oo 



05 !Z! •* 

oo os as 
oo oo 55 



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OS CO OS 

00 oo oo 



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os 
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A 1 d 

3 3 

1-9 P-, 



to 

3 
3 



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P Ph 



fl .5 



3 32 
a> o3 
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c3 



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d 
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3 .° 3 
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eo 

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3 



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o 

r3 



3 
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CO 



O © O 3 

O Q O -< 



pq 

3 

3 
03 



3 

■a 

3 



Ph Ph Ph O 



o 

CO 



<1 tf 



3 

J- 

3 

o 



d Eh " 

g ea r-r! 

a 



3 
© 



P-* 



3 
Ph 



3 
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cd .S -2 -2 



O JN 00 



to 

3 
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to 



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3 
3 
1=9 



3 

CD 
fcfi 

o 



3 
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3 

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3 

CD 

O 



Ph 
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03 
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3 



3 
to .2 o 



o 
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03 






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3 'U r-l .S « 'TS '^ 'J-t 



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CD 

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0Q CD CD 

cS w w 



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CD 

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3 



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to 

3 

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3 
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P 

Ha 

r -4-l 

o 

3 



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CO 



pq 



M 



5 S 33 «< ^ 



w w w w 



P5 



302 



STATISTICAL TABLES. 



O 

© 



B 

PI 
B 



<1 <1 



pq 



I % 



a, 
o 

ft 

00 

'3 
o 
P 



o 


~j 


°co 


a 

03 


B 
o 


CD 


c3 


CD 


■*-a 


hn 


b() 


o 


B 


a 


H 


<=■ 


c3 
O 


c3 


c3 


e3 


< 


P 


CO 


P 


a 


o 


o 

c3 


cd 

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CD 


cd 




6 


S 


CO 

O 



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03 




S 


o 
D 


O 

co 


73 


(!) 


CD 


+* 


li 


B 
03 


< 


ft 





03 


CD 




fTf 


f>- 


Cm 






o 


Ph 




fcfl 


J 


03 




03 




XI 


CD 


> 
03 


ft 


o 


o 


3 

o 


O 
B 


o 
CD 


b 

CD 

H 




o3 




tfl 


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CD 


o 


3 


03 


CD 




iJ 


o 


P 


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B 


Xi 


CD 
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CO 


o 

o3 


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m 

to 


03 
P 


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o3 


X 


O 


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CP 

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a 
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6 

JZJ 

M 

H 



>» 



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3 s 



P 



b 

x: 
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H3 



B 

CD 


'5 


p 


o 

o 
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i— * 

CD 


ft 


Ph 


o 

CO 


o 


03 


a 


CD 


O 


o 



B 
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to 
B 



p .- 

■3 Q 

c3 



p 
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B 
CD 

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o3 

a 



CD #p "» ... *J2 CD 

SB b ^ r 1 . ^ 



o 



P Ph 5 «5 <i S 






o 
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c3 «>— < 

3 CD CD 

CD ** P 

P «< 



c3 

m 



03 

O 



to 

B 
P 
O 
P 

!§p 

'5 
P 



CO 
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O 
P 



B 

5h 
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o 



fco 

T3 



P ^ 
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o 

p 



3 



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P 



CO i— ( «2 
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P 



►» 


p 


P 


> 


P 


p 


B 


XI 


B 


Xi 




o 


O 


CD 


O 


o 


O 




O 


rB 


p 






j=| 


-w 






> 








co 


CO 




■ CO 


CO 




3 


3 


O 


O 


o 


o 


O 


O 


s3 


O 


O 


a 


P 


P 


02 


p 


CQ 


P 


l-H 


P 


CO 



t3 

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s 8 

i-H O 

H-. ^ 

CD °° 

s P 



o 
pq 



o 
P 




m -^ Oi 



p p 



CO 



B 



P 1 X! 



B 



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CO 


CM 




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93 

fl 


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3 


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1-3 



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pq 

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3 



o 
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p 



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3 



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p 



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CO 



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73 

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CD 
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o 

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ffl 


o 


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CD 


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s 
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O 
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S3 

pq 



to 
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B 
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03 


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P 










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o 

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p 


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03 


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p 



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63 



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cq 

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c 
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tp 



s p 



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B 
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B 



T_1 
03 



FRATERNAL BENEFICIARY ASSOCIATIONS. 



303 















n-i 


































p 




c 


























u 

o 


a 






o 

CO 


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03 
CO 


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CO 






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i 


g 


a 




H 


CO 


T3 


p 




DO 


OS 






t: 

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O 

p 

pp 

o 

i-s 


pP 

o 

"3 

CO 

P 

S3 
O 
Hj 


T3 






p 


a 
o 
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b 

a 

S3 

o 

Hj 


.2 
>-* 

+3 

03 


P 

EC 

'hi 

<o 

03 


"3 

pq 

0) 

be 

hi 

O 

CD 

o • 


d 

oS 

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4-3 

03 

P 

o 

w 


O 
O 

a 

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03 

HI 

w 


is 

O 

H 

p 

co 

P 


J3 

o 

pq 

CO 
03 

>P 

o 


03 
CO 


"fcj 

oS 
W 

Ph 
p 
pp 
o 

Hj 


P 
P 
oS 

w 
w 

p 
o 

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pA 

03 

pH 

03 

o 
< 


1 

1 


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O 

6 
>> 

u 

p 

03 

w 


o3 
W 

d 

03 
bD 
I- 
O 
03 

o 


i 
i 


o 
hi 

pq 

CO 

GO 

oS 
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o 




























Jh 




aT 




, 


• 
















*^ 






pP 


~ 




Hj 




o 










h 


.2° 
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M 

W 

M 
P 
oj 

hi 
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pT 

03 
3 


CO 

hi 

03 

a 


o 
o 

w 

CO 

O 

a 


DO 
P 

o 


03 

rP 

03 


03 


03 

-2 
6 


to 

p 
o 

M 


S-l 
03 

a 


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O 

.9 

o§ 


hi 
hi 


a 

-2 
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o 


is 

o 


i 


• 


P 
CQ 

•-» 

pP 
O 
i-s 


oi 

o 

GO 
,2 

o3 
S3 
D 


co 
03 

a 

o 
H 


03 
pP 

o 

OJ 

3 


< 

eS 
-P 
o 

« 


H 

03 
fcJJ 

u 
O 

03 

CD 


03 

P 

P4 

6 


W 

^3 

03 

CO 

O 

Hj 


GO 

o3 

a 

o 

X3 

H 


a 

_0S 


HI 

<i 

03 

pQ 


o 

p 
o 

-t-a 

P 

< 


o3 
O 

CO 

P 
pP 

o 

Hs 


hi 
03 
-t-a 
GQ 
03 
S3 
O 


GO 
h> 

o3 

pq 
< 


i 


hi 
hi 

03 

h 

03 
4-a 

03 
PW 


CD 
03 

p 


03 

CO 

cv 


h? 

o 
> 




^ 










pT 


pT 

03 

2 


03 
2 


0? 
03 





P 


a 

03 

pP 


tA 


a 


P" 

o 

4-a 
CO 

o 
CQ 




(1 


o 

T3 


ps 


P 


p 
p 


p 
p 


P 
P 


p 
p 


o 

GO 


CQ 

"3 


o 

-t-a 


p 

GO 


03 

P 


p 


o 

4-a 
GQ 


S3 
p 


OS 


£ 


P 


o 


P 


r>» 


k, 


r>, 


r>, 


O 






S3 


o 


O 




p 


O 


o 


hJ 


< 


Hi 


a 


t-1 


h-l 


Hi 


Hi 


PQ 


!a! 


S^ 


O 


n 


w 


CO 


a 


pq 


CO 


OS 


<M 


tH 


OS 


<M 


CD 


tH 


CO 


O 


eo 


kO 


O 


i—i 


CO 


0D 


■p* 


IP 


"* 


eo 


oo 


os 


OS 


oo 


os 


OO 


OS 


00 


os 


OS 


00 


oo 


OS 


OS 


•* 


os 


OS 


OS 


OS 


QO 


CO 


OO 


oo 


00 


00 


oo 


00 


oo 


00 


CO 


00 


00 


CO 


CO 


CO 


oo 


CO 


co 


i—i 


OS 


o 


lO 


oo 


m 


1— 1 


o 


lO 


t» 


<M 


t^ 


CO 


t^ 


CN 


CO 


(N 


•o 


r-i 


i— 1 


I— 1 


1-1 




<M 


<M 


00 


(N 


CN 


CN 


i—l 


1— 1 






I—I 




CM 


I— 1 




h 
< 


03 

&4 


p 

03 


Pi 


03 

P 
P 
1-3 


03 


p 

03 


^3 
03 


+3 

o 
CQ 


03 


03 
03 

Q 


03 
03 


p 

03 


> 

o 


pd 

03 


-4-a 

P, 
03 
CO 


o 
O 


4J 

Pi 
03 
CO 


> 
O 






































S3 
o 
h 

P 






. 
































rP 


























o 












o 


• 






• 




• 


• 


• 


• 


• 


• 


• 


p 
.2 


• 


• 


• 


• 


• 


p 
.2 


• 


• 




• 






- 


• 


• 


ps" 
o 


O 


• 


.5 
"3 
o 

CQ 
GO 

< 


P^ 


• 


• 


• 


• 


03 

4-» 

GQ 
03 












O 

P 






pi" 
o 

"-J3 

a 


.2 

'o 
o 

CO 


P 

.2 

03 




-t-3 

tP 

03 
P 
03 


.2 
"3 
o 

CO 






p" 

4-a 

.2 


G 


Ph 

pO 
4a 


pT 
.9 

4-3 

.2 
"3 
o 

GO 
00 

<1 

.2 

r— 1 

03 








i— 1 


03 

'3 
o 






CO 

< 

4-3 


03 
O 
CO 


p" 

.2 
*«-3 

.S 
*s 

o 

CO 

DO 

<J 

-4J 

« 
03 
P 
03 

PQ 

"oS 
P 
P 

p^ 

P 
03 

'P 


pq 
'3 


4-3 

p 

03 




P 

o 


o 

GO 
00 


O 
e8 


pP 


.2 

^eJ 
"3 
O 

OS 

00 

<! 


p 

o3 


o 

4J 

.2 
'3 
o 

CO 

CO 

<4- 

03 

P3 
CO 

03 

O 
Ph. 

CO 


6 

hi 

o 

bD 
03 

hi 

CD 
o 

a 


CO 
CQ 

< 
_CP 

p 

a 

-4-3 
S-. 

oS 

Ph 
03 

fi 

03 
Ih 

s 

p 


.2 

o 

QQ 

5P 
CP 
P 


o 

.2 
'3 
o 

CO 
CD 

< 


CJ 

O 

CO 
CQ 

<! 

CO 
03 

'S 

oS 
£3 
03 
03 


ep 

03 
P 
03 

PQ 

'oS 

P ' 

P 


< 

JD 
"03 

-t-a" 
P 
03 

a 


p 
+-> 

p 

d 
O 

bD 


o 

!> 
03 

P 
03 

pq 

03 

GO 
03 

P 

bC 
P 


'3 
o 

CO 

< 


p 03 
"3 
o 

GO 
GQ 

< 

03 

'3 
P^ 


< 
_03 
"03 

P4 

GO 
03 
03 
>> 

o 


o 
O 

GO 
GO 

< 

4-a 
«P 
03 

P 

£ 

'oS 
P 
4-a 

P 

a 

03 
TS 

Hi 
«M 
O 


o 

p 
o 

4-a 

.2 
*3 
o 

GQ 
CO 

< 

4-a 
tP 


o 

•2 
"o 
CM 

<o 

o 

p 

03 


03 
tf 
*GQ 

Si 

03 

o 

hi 

03 


w 

to 

c 

w 

o 

p 


p 

p2 
O 

"oo 

.° 

-3 

03 

Hi 


03 

PQ 

*o3 
P 
U 

<u 

-*J 
c3 

t-4 

P 


03 

P 
03 

PQ 

P 

•t-a 

P 

p 


'oj 

o 

oS 
03 

pP 

H 

p 


o 
o 

03 

O 
oS 

p 

Si 

p 

03 
03 


Sh 

03 
P< 
03 

fi 

03 

p 

03 


6 

Sh 

pq 

H 

'.9 


O 

Ph 

GQ 

+3 

-t-a 
03 
GQ 

P 
pP 

03 

oS 

GQ 


p 

GQ 

03 

P 
OS 
pP 


'oS 

P 

•4-a 
P 

a 

GO 

.2 

p 

oS 

pP 


Pi 

a 
w 

co 

V> 
03 
hi 

pq 
p 

03 


03 

P 
03 

pq 

"oS 

P 

4-a 

P 

a 

GO 


f< 


+3 

+a 
03 


|< 


>> 


p 


P 


p 


p 






r-l 


GQ 


03 


03 


JI3 


P 


P 


Ifl 


o 


O 


r^ 


,>-> 


tV» 


>^ 


oS 


o3 


oS 


o3 


S3 


03 


03 


03 


03 


03 


1-3 


Hi 


^ 


h1 


Hi 


H? 


Hi 


Hi 


Hi 


^ 


^ 


p^ 


a 


p^ 


t^ 


a 


a 


a 


a 



o 




m 




Ti 


to 




Ci 


< 


oo 

1-1 






SS 


>1 


>. 


— 


O 


ea 


ti 


3 


o 


cS 




H, 


-p 

o 


"2 
0) 




CJ 




~J 


GQ 


a 


c 


a> 


cS 


— 


h 




-^ 


3 


m 


aa 


— 


h 


£ 


h 

c3 


o 


-C 



S «5 

CO <» 

p5 oq 



^ rH 
C3 >> 

0) eS 



o o 

P, o« 

a P. 

e) C3 



0) 0) 

O o 

03 03 

ti ti 



«-" a 

O 03 



304 



STATISTICAL TABLES. 



n3 
<u 

.9 

o 
Q 



CO 

6 
w 

M 
< 





•6 


































u 
o 


o 

CR 

CO 
PI 

c3 

M 


p 
o 

co 

ft 

a 

o 
-a 


.p 

CO 

02 


Sh 
CD 

CO 


p 
o 
u 
ft 

CO 


o 

p 

CO 
Sh 

o 

© 


CO 
CD 

o 
d 


o? 

pq 

o 

h4 


"-»3 
+3 

o 
ft 

03 


p 

o 

co 

ft 

a 
© 


i 
i 


2 

'oS 

*H 
CD 

bo 


CD 

CD 

-P 

H 


CD 

J-c 

O 

a 

1 


03 

H 


bD 

.a 

+3 


CD 

% 
Sh 
CD 

M 

"3 

Ph 


OQ 


© 


H 

PQ 


rP 


Ph 

P 
,P 


6 


H-s 

a 


^3 
ft 

CD 


co 

CD 

03 


H 

pq 


i 


03 

a 

o 


Cm 

t3 
P 
P^ 


Em 

a 


H 
6 


S 


XI 
ft 

CD 




o 

»-5 


O 


o 


o 


o 


£ 


O 

1-5 


rP 

o 


o3 
CO 


D 




^3 


^ 


CD 

© 


W 


o 

•-9 
















CO 


CD 

O 

o 

co 
O 

P4 




c? 


'3 






^3 




CO* 
Sh 
CD 

^3 


CD 

ft 




00 

cd 

"3 


sh* 


• 


CO 

O 

P 


'& 


A4 
o 

CD 

Ph 


s 


ft 
ft 

'S 
H 

w 

CD 

fen 


o 

bD 
P 


4-3 

p 

CD 

CO 

O 


CO 

p 

S-i 


• 


P 
03 
co 

P 


P 

O 


P 
P 
03 
CO 


ft 

o 

w 


V 

Ph 


pq 

co 


o 
H 


o3 

w 

Ph 


co 

'© 
p 


J- 

p 
*p 
o 


03 


< 

a 

03 


a 

03 


4-3 


to 

co 


p 
pq 

CO 

03 

a 

O 

rP 

H 


P 
CD 
co 

o 


O 

Ph 

Ph 


< 


CD 
O 

o3 

Sh 
O 

w 


Ph 

p 
o 




CD 


Ph 
h-5 


o3 
co 

<1 


P 
03 


<1 
Ph 




^ 


ft 


o 

CD 

O 


o 


> 
03 

n 


'3 
o 


a 


p 

o3 

Sh 

Ph 


4^> 

P 














>* 
























B 

o 












4-3 

o 


^3 


t3 
i-i 


-d 


















03 
O 
O 








4-=* 


T3 


o 


o 

-T3 


O 


o 














rP" 




|_5 






C 






CD 


CD 


CD 


o 












P 






a 
o 


p 
o 


o 

CO 


CO 

03 


CD 


h 


pq 


pq 


pq 


p 

o 


p 
o 


p 
o 


a 


P 

O 


o 

a 


P 

o 




4-a 


CO 


T3 


+3 


is 


* 


Is 


* 


«w 


CO 


CO 


4-^ 
CO 


CD 


4-3 
CO 


CO 




O 


O 


P 


O 




CD 


(D 


CD 


CD 


a 


O 


O 


O 


03 


O 


O 




pq 


pq 


w 


O 


Ph 


to 


to 


to 


to 


pq 


pq 


pq 


CO 


pq 


Ph 


pq 




00 


CN 


to 


•ra 


CN 


CO 


iO 


o 


eo 


I-H 


*Q 


CN 


CN 


if 


CN 


CO 


o 




lr^ 


GO 


l^ 


OS 


oi 


00 


C3S 


OS 


OS 


CO 


OS 


OS 


00 


os 


CO 


CO 


OS 


0) 


GO 


GO 


CO 


GO 


GO 


CO 


00 


CO 


CO 


00 


00 


00 


CO 


CO 


oo 


CO 


CO 


(4 


1— 1 


oo 


lO 


00 


to 


CO 


lO 


o 


t— i 


■* 


iO 


o 


OS 


i-H 


"*l 


CN 


CN 


P. 




.— i 


r-l 




CN 


CN 


CM 


<M 


CN 




CN 


CN 




CO 


CN 


CN 




o 
o 

M 


3 


•4-3 

ft 

CD 

co 


03 


ft 

< 


+3 

o 
O 


p 

03 

►"9 


-»-3 
ft 

CD 
CO 


> 

o 

to 


CD 
P 

P 


bo 

p 

< 


4-3 

o 

o 


ei 

CD 

P) 


CD 

P 

P 


e3 

CD 

n 


P 


Sh 
03 


CD 

P 
P 






• 


P 

.2 
+3 

.2 

"3 
o 

CO 


• 


• 




• 


• 


• 


• 


• 


• 








• 








• 


co 

< 


• 


-P 
o 




• 


• 


• 


• 


• 


• 








• 


' " 






• 


co 

o 

'p 

S3 


• 


Sh 

p 
,p 

O 




• 


• 


• 


• 


• 


• 








• 








• 


o 

o 


CD 

'3 


4-3 
CO 

ft 

o3 




+3 


• 


P 
O 


• 


• 


P 
JO 
"•♦3 
03 








• 


• 




p 


. 


T3 


o 

CO 


pq 




O 


. 


*3 

03 


. 


• 


CJ 

o 












< 
ft 


O 
"*3 

•5 s 

"3 
o 

CO 

OQ 

< 

.2 
CD 

Ph 

CO 
(-1 

a> 

CO 

'3 

i 

CO 

O 

rP 


a 
o 

+3 

.2 
'3 
o 

CO 
03 

«i 
< 

*3 
P 

ij 
P 

a 

p 

03 

'o 

ft 
O 

u 

H-3 

CD 


P 
03 

CO 
Sh 

© 

s 

Sh 

03 
Ph 

M 

CD 
4-3 
CO 
CD 

o 

Sh 

o 

P 
03 

M 

<u 

CO 


p 

CD 

'o 

> 
CD 

P 
CD 

pq 

CD 

CO 

CD 
P 
blj 
P 
4-» 
U 

o 
Ph 

CD 

bC 

CD 
hi 


4-3 
co 
s* 

£ 

CD 

,P 

«M 

o 

p 
% o 

+3 

.2" 
"3 
o 

CO 
CO 

< 

C*H 

_© 
CD 
Ph 


p 
o 

p 

p 

p 

CD 

'? 
o 

Ph 

, C3 


CO 
T3 

'•5 

r— 1 

03 
P 

P 

a 

CO 

p 

CD 

a 

CD 

s 

T3 

«2 

CD 


p 

.2 

+3 

.2 

'o 

o 

CO 
CO 

<i 

CD 

'o 

P-l 

T3 

S-I 

a 

CD 


o 
O 

CO 

CO 

< 

«p 

CD 

p 

<D 

PQ 

CO 

f- 
CD 

rP 

03 
CD 

H 

t3 
o 

T3 
CD 


p 

.2 

'+3 

.2 

*o 
o 

CO 
CO 

< 

4-3 

«c 

CD 

p 

CD 

pq 
p 

03 

% 
P 


p 
o 

«3 

ei 
"u 
O 

CO 
CO 

< 

CO 
CO 
CD 
Si 

bD 
O 
H 
Ph 

t3 
P 
03 

13) 

p 


CO 
CO 

< 

«R 
o 
P 

CD 

pq 

"3 

p 

4-» 
P 

"co 

SH 
CD 

■73 

p 

o3 

P 

p 


co" 
io 

CO 

ff 

o* 

i-H 
4-3 

ft 

CD 

CO 

o 

4-3 

CD 

1 
CO 

p 

o3 
"Eh 


p 

.2 

+3 

.2 

'o 
O 

CO 
CO 

<4 

p 

CD 

rP 
H 

t3 
p 


P 

•2 
.2 

'5 
o 

CO 
CO 

< 
"3 

"o 

cP 
CD 
P 
CD 

pq 
p 

o 


P 
O 

.S 
"3 
o 

CO 

CO 

<J 

4-3 

CR 
CD 
P 
CD 

pq 

i-H 

OS 

p 

rP 

P 


t 

o 
o 

CO 

lis 

p 

H-^> 

P 




H3 


4-> 

o 

p 


03 

P 

P 


P 

.2 


pq 

CD 


pq 


pq 

CD 


CD 


CD 


a 

CD 


CD 
f 

o 


03 
O 


o 
o 

T3 


o 

a 


co 




a 


a 


§ 


3 


£ 


to 


to 


to 


to 


to 


to 


to 


to 


to 


O 


Ph 


Ph 



FRATERNAL BENEFICIARY ASSOCIATIONS. 



305 





Si 






>> 




tA 


a 
o 










>v, 


73 












d 


CD 








CD 


TO 










^q 














<x> 

& 

o 

pq 

♦J 

a 

cs 


02 

03 
73 

t-s 


p 
'3 

co 

co 

3 
O 

H 


3 

-1-3 
4-S 

a> 

P 

Si 

o 


73 
Si 

ej 

w 

d 


a 

CO 

03 

M 

pH 


TO 
TO 

*Si 

Si 

O 

Ph 

TO 


a 

o 
Ph 


P 

Si 

3 

O 

o 


r3 
P 

o 

Ph 


>> 

Si 

o3 
W 


t3 
O 
O 


s- 
3 

s 
w 


^3 

Si 
03 

4J 

02 


o 
u 
o 

Ph 


p 

CD 
Si 

© 


P 
P 

pq 


p 
o 

CO 

p 

e3 


P 
03 

S3 

5 


O 

'3 


73 
3 
oj 

P 


O 


p 

o 


CD 


CD 

bfi 


< 


CO 

be 


i-s 


£ 


CD 

03 


bn 


CD 


W 


w 


.2 


1 


o 

4-3 

p 
<1 


Si 

O 


4-3 

P 

< 


Si 

o 

CO 

O 


a. 

03 
Ha 


Si 

O 
CD 

o 


B 


Si 

O 

CD 
© 


p 

pP 

O 

<-> 


6 

CD 

a 


S3 
o 

i 


o 

CD 

© 


i 


p 

CD 

ffl 


6 

CD 
© 


p 
o 

HS 




. 


js 


• 


• 


. 


. 


• 


. 


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p 


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w 

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p 

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a> 

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1-9 

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a 


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p 

03 

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t-q 

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to 

p 

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o 

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3 

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3 
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a 

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h 

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p 

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o 


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a 

p 

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3 

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o 

a 

OS 

be 

c3 
02 


CD 

Ph 

CD 

Ph 

a 

CD 

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02 


3 

w 

p 

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c3 

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73 

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o3 
o 
02 


CD 

P 
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03 

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73 

P 
03 
o 
02 


Ph 


Ph 


Ph 


Ph 


Ph 


Ph 


a 


Ph 


pq 


pq 


pq 


pq 


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pq 



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p. 

o 
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a 

o . 
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eS C3> 

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rn <M 



1 



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cq a 

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Ph -E 

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S o 



CO CS 

S 22 
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CD u 



Q Ph 



306 



STATISTICAL TABLES. 




!h 




d 


O 







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co 


ri 


« 


S-t 


tA 


d 


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CO 


03 

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p 


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s-i 
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03 


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d 

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o 



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be 
d 
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w 



o 
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3 
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d 



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d 
P 



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3 pq .2 W 



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> 

P 



o 



d 

03 
o 



d 



fa 



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d 
o 

fa 

a 
p 

CQ 
d 

o 
i-s 



H-3 


.2 




bo 


a> 






03 


'S3 




Ph 


03 

bo 


ft 


§ 


Ha 


c3 


Ph 


CO 

03 

d 




d 

03 

bo 

s 


09 
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03 

C 
03 

03 


1-9 


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d 



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w 

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03 

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w 

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d 

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p 

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d 

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6 

rd 


03 

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be 

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CO 


a 


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CO 

3 


d 
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a> 


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d 

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o 

d 
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03 

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oS >> •OOpHOOo3«0!-o3^ b 2 l 2c 

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30 


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l>. 


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< 


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c 
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d 
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cu 



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FRATERNAL BENEFICIARY ASSOCIATIONS. 



307 



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3 


n 


03 




M 


o3 




o 


03 


3 


3 


03 


3 


8 


^ 


- 


•5° 



03 
Si 



•l-H -U 



be 

3 
03 
,3 



3 
J3 



03 .2 .S 
S S S 



-3 23, 



« © Ph t; 



03 
CO 



308 



STATISTICAL TABLES. 



*C u fco 



GO 

H 

e3 



-3 

Ph 

T3 



73 
d 
c3 



M 



W <! H 



Ph *d 





c 


,=3 


. 




K 


d 

o3 




fcp 


3 




r» 
CD 




O 

© 




03 
rO 
CD 
bfi 


be 

03 

a 




GO 


s 
bfi 


a 


S 


rd 

a, 

CD 


"3 

d 
c 


rd 
o 

1-9 


03 


03 

Si 


5 


CO 

o 

1-9 


03 



H 
O 

d 

'3 

C3 

n 

c3 

S 

o 

Ph. 









a 










e3 








• 


tn 


. 


d 




d 
O 


Sh 

o 


o 


o 

Si 

pq 
pq 

rd 


"o 

rd 
o 


Sh 

PQ 
P 

*3 
-4-3 


d 
1 

03 


72 
c3 


# o3 


Ph 


Sh 


'd 


s 


O 
•-9 


W 


W 


CD 

pq 


£ 




o 



• 


• 




O 


* 


a> 


• 


• 


Ch 


• 






Sh 


is 




-4-3 






Ti 




„ 




a> 


,d 


a 


S! 


CO 


„ 


d 




in 






•4J 


to 




Sh 


03 




d 

CD 


cT 


d 


d 
o 


d 
o 

o 
M 


P 


d 


rQ 


Sh 

© 

CD 

■d 




> 

-4-3 


Sh 
O 


H 


02 


w 


d 

3 


CD 


o 


Ph' 


-d 
EH 

-4J 


S3 

CD 


d 
o 


co 


P* 

-4-3 


02 

H 


rd 
o 


CO 

rS" 

CO 


d 
o 


d 


a> 


Sh 


<& 




a> 


d 


d 


d 

03 

02 


a 

03 

PS 


-a 
o 

•-9 


rQ 


03 

J3 

o 


o 
O 


S 
03 

•-9 


rQ 
3 


rd 
O 

•-9 





3 



S 3 

be 

o 

p 

d 
o 



d 

c3 
be 
be 

d 

P 





CO 


bo 




CD 


c 


" 


a 




CO 


a 


rM 


-*H 

Sh 

d 


>> 

CO 


02 


O 


CD 


"> 

03 

P 



^3 
CD 

"o 
a 
o 

O 



CO 

6 

w 

H 



d 
_r © . . . . tf tf 

T3 .< ~ Cl, „ - CD CD 

tdc3^r*""' - ^"' , - , 2 ~ ZZ -2cdcd 

d 2 SP O ; ■ _Q O « O^S © {3 -3 O^oo 
Sn^oito^ai'^co^SHarjCScoja.iJ.S 

co^OPQWPQapqpH^PQ^^pqp^^ 



d 

d 

1-9 



e3 



-< Ph O 



> 

o 

^5 



P <S O 



d 

1-9 



O 



Ph 
<1 



HH 



oo a> 



d 
o3 
1-9 



ft 



w 



O 
Ch 



CD 

d 






■a .£ .2 



r 2 < 



CD 


— 


t3 






d 

r£3 


P^ 


d 

03 
CD 


• 


• 


u 


-u 


OJ 






-1-3 
co 


d 
8 


-4-3 


. 


. 


-4-3 




CD 






Cu 










c3 


CO 


CD 






CD 


O 






w 


CD 


72 


■* •* 


TJ 


d 

03 


O 

a, 

a 


CtH 

*0 


03 
bo 

CD 
> 


"3 


rd 


Ph* 


^ 


>>, 


be 


N 


** 


-•-a 


W 
d 

03 


03 


03 

d 

•4-3 

d 


>> 

-1-3 

.2 
"o 
o 

02 


d 
d 
d 
< 

CO 

Sh 


-u 


Ph 


rd 


A 


r/) 




CO 


CO 






-4J 








CD 


CD 


-o 


T3 






CD 


CD 


CD 


03 

o> 


o3 


Sh 


£ 


ti 


02 


o. 


02 


02 


H 



£2 



3 



o 





d 




P 






»v, 


d 




<i> 


CD 


^ 


CD 


d 


o 


03 


02 


•— 



i-H .rH 

a <i o 

w -< .Sh° 



JS .2: 



r3 

d B 
£ w 

CD d 

d * 



PQ 



P3 



d 

d 
H 



£ 

03 

1-5 



3 



< & 



bD 
CD 

O 



bfi 

d 
o3 

-d 
^> 

03 

d 
P 



rd 

Oh 



O 
1-8 



d 
o 

d 

P 



rd 

H 

H 

o 

'3 

P 



pq 



Ph 



PQ 

-4^ 

a 

03 

-d 
d 



'd 

O 



i a 



03 

a 
pq 



^ ^ 






■3 Ph 



.'d ^ 



■rt Q •« 



pq 
B 

d 



* ft 



FRATERNAL BENEFICIARY ASSOCIATIONS 



309 













t: 








a 

a 

CD 




co 


o 


o 

s-l 


a 

03 

a 


a 


>> 

co 

a 


3 
o 




la 


a 

s 
a 
s 

o3 


cu 
PQ 




to 

a 
o 


o 
73 

a 
.a 


CO 
0) 

bo 

o 


OS 

Q 

b 


hi 

co 


CO 
oo 

"3 

a 

OS 


a 

03 

-4-d 

03 


a 

.2 


o 

t-s 


CD 

O 


pm 


EH 


t-s 




§ 


• 


• 


• 


• 


• 


£ 


• 


• 












*-l 
















s 








. 


^ 


, 




.Q 


_ 


. 






03 




s£ 


H3 










£ 


•» 


cu 


O 




^ 


c 

e3 






a 

o3 


u 

a 

CO 


o 


«H 


a 
13 


a 


eT 


S3 

< 


co 


a. 




o 


a, 


73 
o 

-a 


r3 

bfl 

3 
e3 


CU 


co 

CO 


6 

03 


00 

co 


B 

CO 






s 


co 




r^ 


^2 




o 

a 


h4 


Q 


Sh 

o 


u 
ej 
.3 
O 


CU 

N 

cu 

w 


O 
cu 

03 
l-s 


a 
o 

t-s 
















V 


. 


^ 


^ 


. 


. 


. 




o 




tl 


Si 










<M 




co 


O) 








co 


<t3 


a 
u 

3 


OT 


CO 


of 


•> 


^ 


co 

c 


co 


co 
o 


CD 


CD 

CO 


c 
o 


Tl 


co 


pq 


£? 


?H 


fH 






CD 


^ 


:£ 


O 


o 


o 


CU 


CO 


> 


£ 


* 


£ 


-3 

O 


O 

pq 


cu 

PQ 


03 


co 


o 


oo 


OS 


(M 


CO 


»o 


»T3 


00 


c» 


r-~ 


00 


OS 


OS 


cs 


CS 


CO 


00 


00 


00 


00 


00 


CO 


00 


00 


os 


t^ 


co 


<N 


CO 


CM 


CO 




CM 


CM 


CM 


i— 1 


CM 






I— 1 


j^» 


j>> 


a 


j>> 


cu 

a 


>. 


-1-2 


o 


a 


13 


o3 


13 


3 


13 


o 


co 


t-s 


1-9 


>-s 


t-s 


1-3 


t-s 


O 


Q 














co 

CO 


>^ 














a 


CO 














CO 
















u 


"5 














03 


o 

CO 














hJ 


a 














Cm 


co 














O 


















73 












T3 


i— 1 


> 

co 












'■^ 


6 


a 

CO 












13 


& 


pq 












a 


a 


n3 




a" 
o 


• 


• 


* 


-4-2 

3 

2 


.2 
.2 


a 

03 
co 


a~ 
o 


.2 


fl 


, 


, 


a 


o 


CO 

C 


.2 
"S 
o 

00 


'5 
o 

09 
OQ 


o 

.2 
'3 
o 


. 


a 
o 


'o 
o 


oo 

co 

< 

ca 


e3 

CO 

Oh 

a 


00 


Ct- 


C/2 




e3 


co 


cu 


CO 


<1 


•® 


-< 


3 


'co 


CO 

<1 


a 

co 


H 




73 


co 


<3 


o 

CO 


a 


pq 


a 


co 

a 


"a 

co 


73 


03 


■3 

cn 


CO 


co 

S-L 


03 
-h> 
CQ 
CO 
+a 

o 
u 

Pm 

go 


73 

a 


a 

o 
ha 


co 

73 




CD 

B 

PP 


^3 

o 

CO 


co 

w 

oo 


!3 


& 


Ph 


00 


CO 


a 


"a 


a 


ii 


sh 


"fa 

co 


%_ 


cu 


CO 


CO 


pj 


© 


CD 


s 


g 


3 


S 


Sh 


CO 

CD 


CO 

co 


a 


a 


bD 


be 


bD 


.5 

O 


CO 


co 


-« 


-« 


a 


s 


P 


O 


S-t 

o 


u 
o 


S-l 

O 


a 
o 


3 
O 


3 
O 



310 



STATISTICAL TABLES. 



•<s> 

o 



O 

w 



5» 
J- 

P3 

e 
g 

<» 

-to 

8 



•5681 
in sqiBaa; 



a a w 



m £j 



I o »o 



OS ^ 



co co t— i 
co i— i i— i 

O CM 



i— I CO CO i— I 



r-T ' 



00 I— I Tfl 

CM O 00 
CM 00 



OS 


OS 


CO 


co 


OS 


r^ 


CO 


or) 


CO 


OS 


00 


«3 



iQ CO 

i-T cm" 






۩= 



o -e 



OS 


i-^ 


os 


OS 


IC 


CO 


»o 


o 


co 


co 


co 


i— i 


t^~ 


CO 


00 


OS 


CO 


oo 


CO 


CM 


os 


CM 


t^ 


OS 


CO 


CN 


i— i 




CO 




1— 1 


CO 


CO 




W 




00 


۩= 




۩= 




I— I 




CM 


o 








1 


o 
























I—l 


























۩= 






■* 


CO 


CO 


00 


iO 


W 




CM 


CM 


_, 


CO 


_, 


i— < 


CO 


CO 


i—l 


!>. 


CM 


o 




o 


O 


© 


os 


to 


00 




o 


i— 1 


Tfl 


CM 


I— ( 




CM 


o 


t^ 


TJH 


©3- 


CO 


<§©= 


























CM 


OS 




CO 






CM 


os 




t^ 










f-H 




■<f 



















I <& ** 



r^ 


i—l 


CM 


r^ 


^H 


CO 


OO 


CO 


i—( 


CO 


1—1 


CO 



os ■«# 

r-i co_ 



oo" 



CO oo 

CM •— l 

io co 



«3 CO 



i-H t- 

CO i—l 

CO tH 



• r-T 



o 

CD 
CM 



& O 03 

co +3 ^ 

<H .S 



CJ , — i CD 

O o3 ;- 



pq 

(—1 
ci 

s 



cfl 



n 



1—1 

eS 



C C,_ 

o .2 

c ea w 

■,g o w 

es ° r3 

.— CO 03 



*■*■< -r-< CO 



S .a 



o 



3 
o 

00 
03 

o 



PQ 



o 

co 
03 

3 



a s «« 

S= r- 'IS 

O o3 o 

co jj cy 

e3 •*» -*5 

^ 4rf £ 

« o o 



<l "3 '2 



03 



03 
HH 



ea 
a 
O 



p 

o 

DO 

a 



.a 

s 



pa 
o 

CO 

ci 



S3 

o 

CO 



5 s 

"os 'S 
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<1 



3 
o 

CO 



83 



CO 



Cf3 

CU 

a 

m 

3 

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3 

03 



PEI 



bf) 


t- 


TJ 


<u 






h 


.a 


^-) 


tin 


H 


3 


03 


03 


O 






FRATERNAL BENEFICIARY ASSOCIATIONS. 



311 



■** 


ia 


-* 


co 


ICO 


co 


CN 


CN 


CO 


t^ 


t^ 


CO 


CO 


t~- 


t~» 


r— 


OS 


CN 




CO 


co 


iO 


o 




O 


ICO 


CO 


co 




-* 


5* 


t— 


o 


CT> 


o 


CO 


CN 


id 


o 


CN 


lO 


1— 1 


lO 


•<r 


1—1 


CN 


CN 


1— c 


O 




CN 




C5 


°i. 


T* 




t^ 




-* 


CN 














i-h 








co 


CO 
CN 


CN 




co 


t^ 


co 


-* 


uo 


_, 


r^ 


o 


-+< 


CN 


»o 


"* 


co 




t-^ 


»n> 


«o 




'O 


o 


C5 




CO 


CO 


o 


co 


co 


"* 


Oi 


CO 


CO 




■*f 


CO 


O 




CN 


CN 


o 




lO 


-* 


I— 1 


CN 


CN 


i— I 






CN 




t^ 


o 






































CO 




co 




rt< 


1— 1 














i-H 








CN 


CN 




00 


co 


CN 


t^ 


o 


co 


co 


t>- 


rf< 


CN 


-* 


o 


O 


co 


W3 


CN 


CN 


TO 


o 








■<*! 


CN 


CN 


CO 


t-^. 


O 


IQ 


t» 


■«*< 


»— < 


O 


o 


oo 


co 


co 


CO 


Tf 


CO 


CO 


i— i 


t^ 


CN 


o. 


t>- 


CN 


CO 




CO 




CO 


00 






































00 




o 

1— 1 




CO 




CN 






lO 














I-H 


CO 
CO 



CD 


_, 


iO 


Ci 


•— < 


>o 


CN 


Ci 


t~- 


o 


o 


CO 


co 


f^ 


CN 


•^ 


CO 


t~- 


ro 


1^ 


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co 


CO 


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>o 


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co 




CO 


CO 


C3 




co 


o 


CO 


co 


O 




^ 


CO 


CN 


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1— 1 


t— 1 




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CN 




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CO 


CO 


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CN 


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co 


m 


CN 




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TH 


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rf 


CN 


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CN 


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CN 


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CN 


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o 




co 




CO 


co 


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CN 


CN 




CO 




1-H 




CN 


CN 


CO 




CO 




















CN 













i— i o 
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CN_ <-> 

oo" 



~+ CN ^h 




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co 


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CN 


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35 




CN 




CO 


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CN 


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oo 


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CN 




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cm 


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CO 


T* 


co 


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CN 


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lO 


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00 


CN 


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1-H 


CO 



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"S 

on 
CD 

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c 




C 








G 


a 


O 






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O 

o 


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r« 

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m 

CO 
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CO 
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CD 
73 

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o 

co 

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jp 

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CO 


CO 

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CD 

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C 
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p 

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C 
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o 

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c 

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o 


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ca 

o 
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m 

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CD 

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o 

a 
w 

CO 
CO 


<1 

a 

CD 


CC 
CD 

a 

CD 

m 

4-3 

13 


CC 
CD 

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CQ 
03 

a 


CH 
CD 

S3 

CD 

« 

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S3 
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D 


< 

a 

CD 

PQ 

S 

"3 


CO 

< 

CD 

"CD 

"3 


73 

S3 
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C 

K 

CD 


p 

CD 

CJ 
CD 
-t-3 
O 

!h 

Ph 


'8 
o 

CO 
GO 

< 

.2 

*CD 

P^ 


.03 

"5 
o 

GO 
CO 

< 

"-4-3 
CJ 
CD 




o> 


GO 


co 


co 


on 


CO 


CO 

►5 


co 


co 


co 


CO 


CO 

be 
o 


CO 


co 

> 


co 


O 

Sh 


"c3 
c 


O 

u 


o 


O 


o 


O 


^O 


O 


O 


O 


O 


O 


O 


O 


O 


Ph 


Ch 


o 


0) 


CD 


CD 


CD 


CD 


CD 


CD 






"3 


CD 


CD 


© 


>, 


o 


"cl 


Uh 


l*H 


fe 


[3H 


|JH 


fe 


fe 


[=4 


fe 


PH 


&H 


h 


h 


o 


Ifl 


>-, 


T3 


T3 


73 


73 


73 


73 


73 


73 


T5 


73 


73 


73 


73 


73 


73 


•-. 


O 


-a 


73 


73 


73 


73 


73 


73 


73 


73 


73 


73 


73 


73 


73 


r^ 


h-3 


O 


O 


O 


o 


O 


o 


o 


o 


o 


o 


o 


o 


o 


o 


Ph 



312 



STATISTICAL TABLES. 



H3 

CD 



a 

a 
o 
O 



6 

w 

Hi 

M 

H 







T*< 


CD 


co 


1 


1 


O 


to 


l>I 


CM 


tH 


1 


CO 


i-H 


eo 


CM 


1 


•5681 


I— 1 


O 








i— I 


o 


I-H 












CO 








©_ 










co 






O 










l-H 




uf sqjBaa 




- H ~ 






























us 

1 OS 


I—l 


o 


OS 


OS 


CM 


t» 


rr< 


kO 


00 


CO 


t>. 


,_ 


tf5 


CO 


"* 


CM 


>i co 


b- 




Tfl 


t>- 


O 


I-H 


■^ 


»o 


00 


OS 




t>. 


CO 


io 


o 


t>- 


* Sj 


o 


CM 


CO 








co 


r— 1 


CO 


00 


I-H 


rfi 


i-H 


o 


iO 


CM 


































i -s* 


CM 


co 










CM 


CM 




os 








I-H 


CO 






«o 










CM 






CM 














S a> 


































Q 




































CM 


o 


1^ 


00 




TH 


00 


OS 


CO 


CO 




T^ 


GO 


CM 


co 


i-H 


£ 22 




to 


GO 


CM 




00 


CO 


CM 


co 


o 




lO 


Tf 


CD 


CO 


CD 


■S 3 rt . 


00 


o 


co 








CD 


o 


CM 


CM 




Tf 1 


i-H 


■* 




CM 










1 
























S € « 




CD 










CO 


CM 




os 










t^ 






lO 










CM 






CM 














S <y 


































Q 


































»o 


OS 


,_, 


CM 


CO 


OS 


»o 


CM 


o 


00 


OS 


OS 


CD 


00 


t^ 


l-H 


O 


Ci 


CO 


«0 


■* 


CO 




OS 


ia 


CM 


r^ 


rH 


CM 




00 


CO 


T*H 


CD 


3 S 


-* 


CO 


I—l 




CM 


CM 


CO 


O 


CM 


co 




t^ 


l>- 


CO 


00 


CO 


































a> 


CM 


t^ 










00 


i-H 


to 


CO 










t^ 




CO i—l 
CO CO 

«< c3 


$& 


co 

CD 










CO 






CM 










CM 




cy 


































a 






































tH 


CO 


O 




OO 


CO 


r-^ 


o 


t>. 


CD 


CO 


CM 


t^ 


co 


os 


o 






l>. 


t^ 


CO 




o 


o 


CM 


t^ 


i-H 


o 


i-H 


CD 


«3 


OS 


r>- 


t>- 




CU 


CM 


CO 






T« 


CM 




o 


t^ 


O 


t— 


OO 


CO 


co 


o 


l>- 












1 






























■* 


CS 










■*t< 


CO 


tH 


CO 










Tti 




CO 

« 


o 


۩= 


CM 

CO 










CO 






t^ 










CO 




M 


< 


































H 








































































Q 




































£ 


CO CO 

s a 


O 


o 


o 






■* 


CO 


Tt< 


O 


OS 


o 


OS 


co 


o 


o 


l>. 




o 


© 


o 






o 


lO 


00 


O 


CM 


CO 


co 


CM 


o 


o 


CD 


u^ 


>o 


CO 






1— 1 


co^ 


cs 


*a 


tH 




00 


CO 


o 


o 


l-H 


00 *^ 








1 


| 
























w 


o * 


m 


ia 








CM 


co~ 


CM 




00 




i-H 




00 


os 


I— 1 


^ 5 


i— i 


rf 












CM 




CM 








co 


OS 






۩- 


of 










CO 






!>. 




















co 


t>. 


co 


© 


00 


CS 


CM 


00 


t>~ 


■* 


,_, 


CM 


no 


«o 


»o 


CO 




u 

Si 


CM 


00 


CO 


CO 


1— 1 


OS 


CD 


o 


CO 


O 


CD 


■* 


rH 


CM 


IC 


^H 




rH 


cm 






*o 




CO 


1— 1 


■^ 


I-H 


t^ 


CD 


CO 


CO 


o 


CM 




£ 




































co 


CO 










O 


CO 


•* 


OS 




CM 


I-H 




co 




U5 

C5 


© 


۩= 


-<* 

i-H 










•* 






CD 










eo 




GO 
i— 1 


3 


































55 




































W 

o 




































CO 


O 


o 


o 


!>. 


cs 


CO 


co 


co 


co 


,_, 


i—i 






-* 


■* 


00 




i—i 


1— 1 


cs 


I-H 


o 


o 


os 


-* 


CO 


os 


l-H 






OS 


rH 


CM 


t^ 


os 


tO 




1—1 


o 


^H 


os 


CM 


i>. 








eo 


t~ 


as 


























1 








55 


a 


t^ 


CO 








CM 


lO 


CM 


CO 


co 








CO 


CM 


I-H 




CO 

to 

o 

CO 
CO 


i—i 


co 
oT 










CO 


<M 




CM 








eo 


CS 




t* 


O 


t^ 


OS 


1— 1 




o 


T« 


»o 


CM 


OS 




»o 


co 


i-H 


l-H 


00 


cs 


oo 


CM 


Tt* 


CM 




id 


!>. 


CM 


t^ 


00 




t>- 


CM 


^ 


CM 


CM 


<*> s 


©_ 


©_ 


1—1 ' 






iO 


°i. 


©^ 


t— 






t>. 


OS 


00 




•* 












1 
























CD 


cm" 


of 










T)T 


>—i 


CM 


t^ 








I-H 


CM 




CO CO 

« ci 


€& 


OS 

no 










o 

CO 






CO 










CO 




0) 


































a 








































etH 


































o 








o 


























u 








E 


















^ 








u 

o 

HI 








O 

Q 

0) 

a 

CD 
















l-l 


l-H 

OS 
CM 

CO 

6 








-B 






















o 


£ 








=1-1 








a. 










aa 


^ 




Eh 


d-T 


H 




o 


o 

'3 

B 




E 

.2 


CD 


B 
CO 

of 

o 


O 




m 


. 


S 

13 

CO 


Sh 

.2 

Sh 

03 

o 

CO 

CD 

3 

o< 

03 

-1-3 
u 
3 
O 

o 


E 
3 


CD 

•— 

o 


o 

u 

CD 

-a 

Sh 




■t-a 
0) 

'3 

o 

CO 

cb 
cd 
a 
a> 


B 
o 

W 
«-i 
o 

B 

o 
To 


o 
o 

cd 

a 

CD 
Sh 

Oh 
B 
CO 


o3~ 
B 
60 
o3 


.2 
'3 

o 

CO 
CO 

<! 

<4-l 

.2 


B 
60 
o3 

03 
\1 

>> 

-i-J 

'S 

u 

0i 
■4-3 

o3 


CD 

a 
< 

Cm 

O 

CO 

.B 

"3 


M 

CD 

'B 

Sh 

o 

B 
o3 

'lH 

CD 

a 


B 

.2 

o3 

"3 

o 

co 

CQ 

< 


B 

"3 


E 

O 

"3 
P 

CD 

_>; 

+3 

CD 
CD 
-t^ 
O 


"o3 

M 

CD 
B 
CD 

o 

-1-2 

u 

3 
O 
O 


E 
CD 

a 

o 

S 


3 

JO 

+j 

03 
O 

CO 
CO 

03 

2 


o 

B 

CD 

'3 

B 
< 

CD 
,B 

H 




B 
03 


E 

OS 


CQ - 

B 

-3 


03 

B 


a 

3 
B 


B 

o 


CD 

3 


< 

CO 

!2 


CD 
<*H 

CD 


oj 




CO 
Sh 
CD 

CO 


CO 
Sh 
CD 
co 


CQ 

Sh 
CD 
-u 
co 


CO 

Sh 
CD 

CO 


co 
Sh 
CD 

CO 






CD 

a 


CO 


o3 

o 

(4 


CD 

H 


-4-i 

CO 

O 


^3 
o3 


B 

(H 


"5b 

03 


'3 


a 

e3 


CD 

Sh 

O 


CD 

o 


CD 
Sh 

O 


CD 
Si 

o 


CD 
U 
O 






<i 


<i 


< 


"^ 


<1 


PP 


o 


« 


£} 


a 


CU 


P3H 


Ph 


a 


Fh 


a 



FRATERNAL BENEFICIARY ASSOCIATIONS. 



313 



OS 


OS 


eo 


cm 


CO 
CM 


i—i 


CO 

eo 


CM 

co 

i—i 


3 

co 


o 

OS 


<* 


CD 


00 

CO 
OS 


o 

OS 



CO i-H i-t ^H 



t-^ I— I ■ — " 



O CM 

CD i-H 

CM l-H 



CM^ 



CO 

i— ' 



os o 

30 t— 

SO CO 

i-T <m" 



o 


eo 


GO 


!M 




00 


«S 


CM 


co 


r— 1 







m 



tH OS ^h 

o co r^ 

CD •— I 00 



CM~ 



eo •— i i—i 

O <M CO 
i— I <— I CN 



O OS 



CD 00 t)h t* |>. 
CM H kO CM t— 

^ CO CO o ■* 



oo os 
CO o 
t>- 00 



CM OS t>- 

OS "HH f— I 

CM O l-H 



CM 
CM 



o 

o 


o 

o 
o 


o 

00 
CM 


o 
■*■ 
eo 


cm 

OS 


o 

CM 


00 

oo 

eo 


CO 
CD 


?— 1 


OS 
CO 












T}1 



T* O 

t— CM 

O OS 



«>- OS 

l-H T* 

». CM 



,-H O ■-• 



r^. 


,_< 


CO 


r-^ 


I—I 


oo 


t^ 


"<* 


OS 



OS 

o 

CM 



% 



t~~ 


*o 


„l 


I— 1 


-*l 


I— 1 


1^ 


CM 


CO 


CM 


os 


CM 


t-~ 


CO 


lO 


co 


00 


00 


CO 


co 


CO 
















o 


to 


00 


o 






eo 


I— 1 




I—I 


">*• 









CO 
OS 
CD 



>73 .3 



"£ ^ 



s =3 



a 

cd 
P«4 



5 o 



73 
03 






o 



a 
P 



a o 



CD 
T3 



O 

o 



3 
c 

CO 

o 
O 



o 

'e3 

O 

Ph. 



% 

&H 

o 
o 
O 



to 



03 



o 
o 



.d 
d. 
O 



3 
O 

o 



d 



00 C . . e« 

"C — -3 

CQ O Ch 

p . "^ •> ~ ^ 

1-1 *• •> •> os eo i~\ 

£± CO CO 00 ,-H CM W 

jh 6 6 6 6 6 c 

£ izj £ fc £ £ os 

i? c d d c c *oj 

.2 .2 .2 ° ° ^ 

^ 'm "S 'co 'S '5 o 

a "& 'E "E '> > ^ 

hi Q Q p 5 p 






P P P hu W 



.O JO 



d 
o 

'5 

d 

«w .2 



o 
d 

o 

w 



r b 



C« >^ '"H 



tJD 



O 
CD 



a a 

o o 

w w 



a 

CD 

c 



T3 

c 



T3 

03 



^3 
d 



> 

S3 

-— 1 
O 

d 
o 
O 

o 



T3 
P 

p 



J3 

'5 



314 



STATISTICAL TABLES, 



T5 
<x> 

.2 

"•+3 

o 



6 

H 

W 

H 









CM 


t^ 


■* 


1 


CM 


CO 


t>- 


1 


1-H 


I-H 


CM 


l>- 


00 


00 


1 


CO 




"S68I 


00 


co 
©_ 








CM 












1-H 


1-1 


-"' 




00 

I-H 


u 


sim?aa 




cm" 
































< OS 


o 


(M 


00 


i-H 


T^ 


i-H 


1-H 


CO 


■* 


CO 


00 


CO 


CM 


■-H 


CM 


© 




>H GO 
CU i-4 


CM 


i-H 


00 


•© 


o 


CD 


OS 


o 


I-H 


o 


W5 


os 


© 


© 


CO 


© 




co_ 


°1 


°i. 




1-H 


oo^ 


TH 


CM 




CM 


1-H 


o_ 


©^ 


eo^ 




I-H 




3 1 « 


©" 


»o 


©~ 






co" 












CO 


I-H 


I-H 




©" 




l-H 


1-H 


•HH 


















I-H 








CM 




*3 <u 




1-H 
































Q 




































.1 OS 


00 


wo 


,_, 




l>. 


CO 




OS 


t— 


CM 


MO 


00 


© 


CM 




GO 




Si 55 


t^ 


c© 


t^ 




00 


1-H 




CM 




GO 


OS 


CD 


co 


oo 




CO 




So.' -1 


TJ« 


l>. 


CO 


1 


r-H 


OS 


1 






l-H 




c— 


co^ 


©_ 


1 


co 








































00 


os 


CO 






CM 












U0 


I-H 


1-H 




CO 






1— c 


co 


















1-H 








I-H 




^ 0) 




I-H 
































Q 




































tfi 


I— 1 


co 


00 


CM 




eo 


1-H 


os 


CM 


CM 


CM 


00 


00 


CM 


l>. 


co 




OS 


1—1 


co 


CO 


OS 




00 


CM 


tH 


tf 


!>• 


OS 


t^ 


r>- 


CO 




CO 




s a 


**l 


OS 


i© 






!>. 


eo 


CM 




■* 


CO 


©^ 




t^ 




© 












1 


























a? •■ 


o 


t^ 


o 






■«* 


1-H 










oo" 


■* 






co 




CO »— ♦ 
co SO 


"*< 


t^ 


o 


























CO 




m 




-* 






























CD 




































ft 










































© 


os 


CO 


CO 


00 


CO 


os 


^H 




t^ 


co 


co 


t^ 


__, 


© 


»rO 








O 


t^ 


i© 


I© 


o 


I-H 


oo 


1-H 




»o 


GO 


oo 


i-- 


oo 


CO 


© 






CD 


lO 


CM 


00 


CM 


o^ 


■* 


■«*l 






CO 


CD 


J>^ 


CM 


© 


1-H 


CM 






■a 


















I 




















CO 


o 


o 




f-H 


rh 


1—1 










«3 


CO 






© 






© 




00 


os 


















I-H 








1-H 


w 






۩= 
































OS 
D 




3 


































H 



















































































































» 






© 


co 


CM 


lO 


■<* 


o 


>o 




«5 


o 


CO 


© 


oo 


lO 




t^ 


£4 




1 1 


CO 


co 


t^ 


CO 


CO 


o 


«c 




t^. 


co 




© 


lO 






tH 


CM 




00^ 


°i 


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«C5 








00 


l>. 


©_ 


© 


"HH 




t^ 


X 




















1 














1 




w 




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co 


T)T 


CD 






CM 


CO 










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© 


© 




CO 




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o -2 


00 


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"* 












CM 


T)H 


1-H 




© 






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co" 


GO 


















CM 








CM 






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CM 


OS 


co 


CO 


t~» 


t^. 


00 


r-H 


t^ 


CM 


eo 


© 


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© 


i-H 


CO 






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cd 


l© 


CO 


»© 


CD 


o 


OS 


i-H 


os 


CO 


CO 


CD 


I-H 


© 




© 


l>- 






co 


CD 


>© 


CM 


o 


CO 


oo 


1-H 




00 


CO 


*°~ 


© 


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1-H 


eo 






.C 






































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1© 


CD 




1-H 


•* 


CM 










oo" 


lO 






00 






o 


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la 


co 


















i-H 








l-H 


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1-H 






























p-t 




3 


































g 






































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CO 


t^ 


oo 


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CO 


00 


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CO 


00 


ta 


WO 


lO 


© 




c 

CD 


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co 


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lO 


os 


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co 


CO 


co 


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O 


1-H 


o 


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o 








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CO 


CO 


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co 




































S3 




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CO 


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CO 


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CO 


os 


OS 


i-H 


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© 




a °g 


1-H 


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CO 






CM 








** 


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l>. 


CO 




00 












1 






1 
















| 






a> 


os 


CO 


CM 






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© 


CO 


1-H 




eo 




m JS 






OS 


















1-H 












TO CO 

< 6 


i©= 




CM 






























cd 




































ft 
























































































^ 




c 


















■ • 


. 


M 

a 

P3 

-M 

C3 
cd 

a 


a 
o 


• 


l-( 

a 
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.- 
o 
o 

CO 
CO 


• 


co 
03 

Cm 

o 

CD 
bfi 

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Hi 


c=r 

OS 

6 

CD 

to 

T3 


CO 
CO 

< 
< 

co 
c8 


• 


H 

.2 

CD 
CD 

4-9 


pT 
.2 

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03 
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o 

CO 


o 

*-<H> 

o 

OO 


• 


CD 
h3 

4-J 

Cm 

o 

M 

CD 

T3 




ft 


GO 

X> 

a 

73 
o 

Cm 

o 


*r 


o 
•a 
a 

w 

.2 


i 

o 

CO 

co 

«! 

oo 
■♦J 


CO 

^2 


< 

en 

CD 

a 

CD 


GO 

CD 

'<B 

OS 
Hi 

£3 


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08 
u 

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CD 

2 



h 






<1 I 



CB 
as 
B 
as 



-d 

c 

w 

to 

S 

fe ft 



B 
B 
1-8 



o 



PQ 






4m 



HH hH co k_ 

a a «< ^ 



OOOOOOOWWWW 



FRATERNAL BENEFICIARY ASSOCIATIONS. 



319 



CN 


1 


1 


1 




I— 1 


1 


1 


1 


1 


i—l 


1 


1 


CN 


1 


1 


1 


1 


i-H 


CO 
CN 


co 


© 


■* 


CD 
CO 
i-H 


CO 
I-H 


CO 


CN 


CO 

CO 


O 
CN 


© 

o 

i-H 


CN 


© 
CO 


co 

© 


»o 


co 


co 


CO 


co 

CO 


CO 
CN 
CN 


CO 




t>. 


© 


CN 

CO 

I-H 


© 


CN 
CO 


CN 

i-H 


CN 


© 

<M 


CO 


CO 


© 

I-H 
i-H 


CO 


CN 


»o 


i-H 
CO 




co 

i-h 
CN 


1 


(M 


I-H 

CN 


CO 


CN 

1— 1 


© 

© 
i— 1 


© 

© 
co 


o 


© 
CO 


© 
*0 


lO 
CN 


1 


CO 
© 
CO 


© 
co 
1— 1 


co" 


© 


i-H 

iO 

I-H 


© 


CO 


CO 


|-H 


1 


1— 1 
CO 


CN 

i— ( 
(M 


F— ( 

CN 


CN 

co 


"* 

•<*! 


CM 


© 


CO 

i-H 




co 

CO 


co 

© 

i-H 


© 

CN 


© 
© 

CO 


CO 


© 
i-H 


o 

CO 


1 


CO 


CO 
CO 


co 

I— 1 


CO 


CO 


• 


1 


i-H 

CO 
i-H 


' 


© 

CO 


© 
to 


© 

CO 


CN 

co 

I— t 


CO 
CO 


la 


CO 

CO 
1—1 


i-H 
CO 

i-H 

?-H 


CO 
I— 1 


CO 


CO 

CN 


CN 




CO 
CN 
CO 


CO 
CN 


© 

I-H 


W3 


OS 
CO 


© 
© 

i— 1 


CN 


ID 
CN 


CO 


CO 

© 


CO 

i-T 


CO 

© 


CO 

© 


co 

CO 
CN 


CO 


1 


• 


1 


' 


CO 

1—1 


' 


1 


1 


1 


1 


1 


1 


CO 

1—1 


1 


' 


1 


CN 

i— I 


1 


© 
i— ( 


1 


CO 
CO 


o 

CO 


© 
CO 


CO 


co 
co 

CN 


CN 

© 


1 


CN 

m 


1 


CO 

© 

CN 


© 
CO 
CN 


© 

CN 

CO 


© 
co 
© 


CN 

© 

"5* 


CO 

© 

i-H 


CO 

© 


iO 

co 
©. 

CO 



Ti 



oj 

h3 



el 



>» 



o 
GO 



O 

P 



OS 

O 



a> tc 



d 

a c/2 



C .pH 



< 

o 

o 



O 


D 


O 




-a 


T3 


H 




0) 


o 


rQ 


o 


o 


02 



o 
-a 

X 

3 

O 

s 



pq 



a >> 



o 

— 

o 

d 

c3 



PQ 02 

■g •s 

eS on 

a ^ 

5 ^ 



P pq 
s3 cu 



03 



co 



CQ 



o 

OQ 

P 



O 



=3 

w 

d 

o 
i-s 

Cm 

o 



r3 
c 

CD 

id 



o 



p 



.S .g 



PQ 



o 

CO 



— uu 

<1 <J 






^3 ,0) 



o eg co 



o 

co 

d 

o3 



o 

co 



o 

co 

d 



fcfi 

c 
d 
o 

d 

oS 



o 

CO 
c3 



5 pp 
03 



."* .„ ^_ 'i i 



O 

CO 



p 



o 



P 



a 

w 

d 



P 



# <u t-^i o 



i> a 



OS 

Q 






^3 



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OS 
P 



w 

'o 

d 

3 



o 



o 

p 



320 



STATISTICAL TABLES. 



'S68I 

UI 61JJB8CI 



«D TH CO i-H 



•o .5- - 

a * co 



r— 1 


i>- 


co 


m 


i— i 


r^. 


o 


oo 


CO 




i— i 








CO 



a 2 



i— I O <M 
OO CO i— i 
CO i—i 



o 

CO 
CO 



cp 

a 

• i— i 

a 
o 
O 



6 

Hi 

H 



' o 

hQ 



T* 


CO 


I-H 


^ 


CO 


lO 


co 




CO 









€©= •* 



CO 


l» 


co 


© 


»» 


t-~ 


o 


© 


o 


o 


o 


o 




SO 


o 


iO 


os 


I-H 


ITS 




(N 




o 


CO 



tH 


© 


»o 


CO 


© 


"* 


o 


CO 


T* 


^H 


C^ 


<M 


-rh 


kO 




■* 


■* 





H CM i-i ■-" 



(M 


CO 


*c 


IM 


CO 


tO 


CO 


cq 




CM 


CM 


CM 


CM 


© 


© 


co 


O- 




© 


CM 


l—< 


CM 


IQ 


■"H 



GO CO 



■<+! 


© 


t— 


^* 


»o 


tr~- 


oo 


o 


GO 


i— i 


© 


© 



.-T I 



CD 03 



o 

SH 

O 
fcC 
cd 

— 



t3 

o3 

I-H 

03 
>> 

O 



os P 

«< .9 



pq a 



Ph 



S3 

n 



Oh 



<1 

PQ 



o 
O 





c 

CO 



s I 



s «« 



o a 



pq .2 



o 

CO 



PQ 

13 

a 

a 

3 

a 
p 



o 


Oh 


PQ 


O 




03 


'oS 


pq 


03 
P 

S 


CO 


a 

+^ 
a 


<*5 


cd 


p 
<u 


p 

CD 


p 


bf) 


nc) 


H3 


>H 


03 


03 


o3 


03 



3 
fefl 

3 

O 
Ph 



Pi 



Ph 



< « -3 



S c3 



£ to 



C 

-a 



03 
3 

3 



K 



PQ 

p 



pq 



o 



o 
p. 
o 



3 

"co 

.2 >> 

1 38 

§ CO 



p 

c3 



3 



03 



-3 
P 
eg 



pq 



o 
Ph 

bfi 
►Q 



CD .S .S 



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FRATERNAL BENEFICIARY ASSOCIATIONS. 



321 



1 


t^. 


1 


^H 


1 


t^ 


<* 


r— 1 


1— 1 


co 


i—< 


1 


1 


i-H 


i-H 


-« 


1 


■-H 


1 




CO 
















t-H 












"* 








CO 


1— 1 


00 


CO 


,_, 


OS 


co 


00 


— H 


■* 


«o 


co 


l-H 


T*< 


OS 


co 


i-H 


O 


r— 


co 


CM 


co 


o 


o 


ss 


CO 


O 


CM 


»o 


CO 


TJ< 


■^ 


t~ 


CM 


os 


l-H 


t^ 


eo 




© 


1— 1 




l-H 


1—1 


"— 1 


CM 


1— 1 


r-H 






i-H 




00^ 


CN 








co" 
















1— 1 












of 








T* 


o 




rH 


CO 


CM 


no 


00 


O 


p _ ( 


rH 


i—l 


CO 


CO 


i-H 


eo 


co 


^ 


co 


co 


o 


1 


•Q 


CO 


CO 


os 




l-H 


O 
CM 




co 

l-H 


TJ< 


T« 


CO 

l-H 


co 


eo 


CM 


ia 


co 


CO 


CM 


co 


CM 


co 


CM 


CO 


10 


t^ 


OS 


CM 


CO 


1^ 





CM 


, 


l-H 


•>*< 


OS 


co 


oo 


co 


OS 


UO 


m 





CO 


OS 


os 


1— 1 


Tt< 


CO 




OO 


>o 


O 


CO 


CO 




i— i 




cq^ 


1— 1 


in 


CO 





1— 1 


•* 


t^ 


O 




eo 


lO 


t^ 


-* 


eo 


CO 










































<M 


co 


of 




i—i 




CO 




1— 1 


CM 


I— 1 




l-H 




cm" 


i-H 


CM 






O 


CO 


o 


-* 


t*h 


CO 


CO 


CM 


10 


CM 


O 


t~ 


,_, 


CO 


OS 


CO 


■* 


co 




t^ 


*>• 


CO 




!r^ 


oc 





f~ 




CM 


co 


eo 


CM 


r~ 


l-H 


t^ 


CO 


CM 




os 








i— i 




CM 


l-H 





i—l 


l-H 


1— 1 


CM 


CM 


l-H 


CO 


co 




1 








































CO 














t— 1 


1—1 








»-H 




b- 










1— I 






































o 


CO 


o 


t>. 


i— 1" 





r— 1 


10 


co 


00 


O 





i-H 


O 


co 


eo 


»fi 


i-H 




o 




o 


o 


co 


-* 


CO 


OJ 


vO 


00 


co 


CO 


i-H 


CM 


-<*< 


co 


l-H 


!>• 




©_ 




<M 


lO 


co 


rr 


•<# 


CM 


CM 


«o 


l-H 




l-H 


CM 


os 


lO 






1 








































c? 








CM 








t^. 








i-H 















co 
















1— " 












00 










1— 1 




































CM 


CO 


CO 


o 


o^ 


■* 


I— 1 


CS 


,_, 


O 





00 


CM 


CO 


iO 


00 


CM 


CM 


i-H 




ia 


•—I 


CO 


ur> 


oi 


co 


CO 


CO 


CO 


t^ 


<M 


co 


i-H 


CM 


CO 


00 


00 


co 




CO 


<M 


t^ 


CO 


CO 


© 


t^ 


cm 


os 


CO 


"* 


?— 1 





CO 


OS 


lO 


■* 


i-H 










































o 


co 












l-H 


t>. 








l-H 




co 










1— 1 






































OS 








CO 




OS 


co 


(M 




O 




eo 





_ 


CO 








«o 








>o 







CO 


OS 




CM 




OS 


l-H 


>* 


CO 








!>. 








o 




1— 1 


eo 


os 








OS 




eo^ 


CO 






1 






1 


1 












1 




l 
















Cs 








CM 


1 






OS 












1—1 




' 


1 




CO 




























00 










I— 1 




































■* 


I-— 




<M 


CM 


»ra 


00 


co 


O 


CO 


CM 


lO 


CM 


i-H 


•o 


•^ 


■* 


_^ 


HO 


CO 


CO 




CO 




o 


TH 


CM 


t^ 


tH 


»C 


1—1 


t^ 


eo 


eo 


eo 


CO 


CO 


«3 




o 






CO 


CO 


"* 


00 




co 


»o 


OS 




co 


r^ 


»o 


co 


CM 


co 






1 




































Ut) 




CM 




I— t 




CM 




*# 


CM 






i-H 




CM 




cm" 
















3 












3 


















>, 





















O 






























































■*-» 












-u 














.a 


• 


CD 


• 


• 


• 


.eS 


• 


• 


• 


• 


• 


.2 


• 


• 


• 


• 


• 


• 


p 




'3 








'3 












"3 












|£ 






o 


































3 
-3 

o 


• 


to 


• 


s 


• 


CO 
CQ 

<! 


CO 


• 


• 


3 

.2 


• 


CQ 

CO 

< 


• CD 


• 





3 

.2 


3" 
O 


.2 
'3 




CO 
"St 

CD 
.3 


. 


< 


3 
o 


_c3 


3" 



=3 

CD 

3 
CD 

Ph- 

"c£ 

3 

*a 
3 

"to 


CO 


• 


3 

.2 


.3 

'0 




• 


T3 
< 


'3 


CO 


• 


.2 
"3 


'3 


.2 

"3 


CO 

c3 


a 
# o 

"S 

P 

a 


3 

3 

5 

a 

9 


'3 
o 

CQ 

CO 

< 

CD 


'o 

o 

CO 

co 

"co 

3 

.3 
o 

OS 


3 
'0 


CQ 

en 
<J 

C3 

CD 

3 


oT 

r—t 

Q, 

CD 
GO 
c— 


>> 




.2 
'3 


ca 

CO 


^03 
"3 
O 

CQ 
CQ 

< 

"3 

c3 


CQ 
CO 

< 

c3 

CD 

3 

CD 

"eS 

3 

2 

,3 


-t-s 
.** 

"3 



CO 


"3 

3 

+a 

3 

s 

"00 

in 
O 


3 
CD 

> 
CD 
3 
CD 

pq 

3 


• 




CO 

CO 

<J 

cv- 

p^ 




CO 
CO 

< 

C3 
CD 

3 
CD 

PQ 




CO 
CO 

< 

.£ 

"5 

P3 

co 


CD 

3 


pq 

6 

>> 


O 
< 


CD 
> 

o 

E_ 

Ph 


73 
O 

■a 


Ph 
n 

a 


H 
o 

h3 


CD 

CQ 

-3 
3 
c3 

'be 


JH 

CD 

3 

^3 

3 


CD 

"3 



CO 

3 


< 

3 
CD 

.3 

H 

n3 


CD 
3 
CD 

CQ 

>> 
3 

O 


< 

"oS 

3 
•a-a 
3 


3 
i-s 

T3 

3 

OS 




3 

CD 

CQ 

CD 


of 
oT 

CJ 

3 


OS 

3 

3 

-4-5 
3 


"an 

5 

3 


"b 

CD 

s 

CD 

— 


3 
co 

&-> 

SH 

CD 

>■ 




"os 


o 


<u 


o 


s 


3 


'5b 






3 


"co 

s- 
CD 


IS 


03 


CD 


# o 




-d 

3 
e3 

Ph 1 


OS 

s 


s 

o 


-5 


pq 


P3 


H 





CD 
O 


5 


O 
O 





-3 


fee 


>-> 
O 


!2 


CO 





— 
3 

s 




as 


£ 

o 

£ 




CD 


►5 


O 


-3 
O 




Ph 


-1^ 
O 




Ph 


> 
1- 
Ph 




P^ 


"> 



Sh 

Ph 


3 

3 



322 



STATISTICAL TABLES. 



a 

a 
o 

O 



6 
H 









1 


CO 


1 


CN 


ITS 


CO 


CN 


i-h 


«* 


CN 


i— i 


1 


I— ( 


CN 


1 


1—1 




•S68T 


































III Sl[lB3(I 




































• OS 


a> 


,_, 


iO 


O 


O 


■* 


i—i 


O 


^, 


,_ 


IQ 


i—i 


co 


O 


•o 


CN 




£ °° 


CD 


-* 


•o 


o 


oo 


CO 


O 


CN 


co 


"* 


OJ 


•f 


-* 


o 


CO 


OS 




£ 3 ^ 




CM 






iO 


1—1 




i— 1 


o 


!— < 








CN 




I— 1 




3 ~ CO 




































S a> 




































Q 




































J OS 


CO 


"f 


IO 


o 




t^ 




,_ 


00 


lr^ 


o 


OJ 


CO 


CO 


m 


CO 




£ °° 


t>. 


co 


io 


o 




CN 




i—i 


o 


OJ 


b» 


CO 


■«s< 




CO 


OJ 








r- 1 








CN 




i— i 


co 


I— < 








CN 




I-* 




a j= s 










J 




1 






















<D 03 . 




































^ 0J 




































Q 




































id 


CN 


o 


OJ 


!>. 


I—I 


o 


1~ 


eo 


IO 


o 


CN 


CN 


OJ 


in 


eo 


CO 




OS 


r-l 


Tfl 


CO 


«o 


I— 1 


■<*< 


•"T 1 


o 


"* 


CN 


"# 


OJ 


co 


«3 


■* 


CO 




ao 22 


CO 


CN 




CO 


CO 


CO 






CO 


I© 


OJ 


t^ 


CN 


O 


i—i 


t^ 








































fly 


I— 1 














1—1 






CO 


00 


CO 


i— i 




1— 1 




00 1— 1 
00 05 


4& 






















r-( 












< 6 




































a> 




































Q 










































»o 


ITS 


IO 


CO 


«— 1 


00 


»C 


CN 


00 


o 


00 


■* 


o 


i—i 


OJ 


o 








CO 


CN 


CO 


i— i 


CO 


o 


CN 


o 


OJ 


o 




CO 


CO 


i—i 


OJ 


OO 






a> 








CN 


«o 




i— i 


t^ 


OJ 


CN 




00 




CO 




CO 






A 


۩= 








CO 








rS 
















00 




o 


































K 




^ 






































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^ 












































































P 






































ia 




oo oo 




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•* 


CO 


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O 


I—I 


o 


i—i 


o 


co 


co 


■* 




OJ 


ft- 




in a 




CO 




l>- 


CO 


OJ 


TT 


TT 


co 




o 


CN 




«0 




t^ 






i— " 




co 


co 


1—1 


CO 


■* 


OJ 


o 


I—I 


1—1 


CO 


CO 




00 




00 *~ 


1 




1 
























1 




w 




O 03 

fe 5 




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1—1 














CN 


t^ 


CN 


co 


1—1 


o 


IO 


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co 


l^ 


CO 


CN 


t _ 4 


OJ 


1—1 


00 








-* 


CM 


CO 


CN 


CO 


CO 


t^ 


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co 


OJ 


oo 


■* 


CN 


CO 


l>- 






cu 


CO 


■* 




CN 


o 




I— 1 




■* 


o 


1—1 


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00 


co 


1— 1 


co 








۩= 








co" 






,_r 


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_r 


cn" 




i— i 




rS 


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OS 






































00 










































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o 
u 






































00 




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t^ 


IO 


CN 


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t^ 


CO 




IO 








CO 




IO 


OJ 


t^ 


CO 


i-^ 


iO 








t^ 


CO 




CN 






CO 




co 


OJ 


o 


00 


i— i 


CN^ 








1— 1 


CO 




I— 1 


ss 




i 

en 

<D 

flD 
00 


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FRATERNAL BENEFICIARY ASSOCIATIONS. 323 



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324 



STATISTICAL TABLES. 



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ASSESSMENT LIFE AND CASUALTY 

COMPANIES. 



Abstracts of Statements Dec. 31, 1895. 



SUMMARY OF STATEMENTS RECEIVED. 



ATLAS ACCIDENT INSURANCE COMPANY, BOSTON, MASS. 

[Incorporated Aug. 21, 1890. Commenced business Oct. 30, 1890.] 

Henry E. Turner, President. Thomas M. Everett, Secretary. 

Office, 186 Devonshire Street. 



Income during 1895. 

For membership fees, 

assessments, indemnity, f 23,020. 17 ; expense, $29,218.89, 
interest, 



Total income, 
Balance on hand Dec. 31, 1894, 



Total, 



Disbursements during 1895. 



For losses and claims, 

salaries and commissions to agents, 

salaries of officers and employees, 

medical examiners' fees, 

rent, taxes, printing, etc., 

legal expenses, . 

incidentals, 

Total disbursements, . 



$15,845 04 
22,777 13 
8,061 65 
1,874 97 
3,789 82 
1,121 43 
5,176 45 



$10,256 00 

52,239 06 

100 00 

$62,595 06 
11,325 54 

$73,920 60 



58,646 49 



Balance, $15,274 11 

Invested in the followino; : — 



Assets as per Ledger Accounts. 
Cost value of bonds and stocks owned, . 
Cash in office, . ... 
Cash in bank, 



^6,149 17 
1,342 71 

7,782 23 



Ledger assets, as per balance, . 



,274 11 



330 ATLAS ACCIDENT INSURANCE COMPANY. 



Non-invested Assets. 

Interest due, $100 00 

Market value of bonds and stocks over cost, . 150 00 

Office furniture, .... $745 56 

Total non-invested assets, .... $250 00 



Gross assets, . . . $15,524 11 

» 
Liabilities. 

Advance assessments, . 191 60 



Balance, net assets, . $ 15,332 51 

Contingent Mortuary Assets (or Resources). 
Assessment called and not yet due, . . . $10,278 00 
not yet called for losses unadjusted, 1,128 00 

resisted, f 3,850 ; and reported, 

$527, 4,377 00 

Total due from members, .... $15,783 00 

Contingent Mortuary Liabilities. 

Losses in process of adjustment (4), . . $1,128 00 

reported, not in process (12), . . 527 00 

resisted (4), 3,850 00 

Total contingent mortuary liabilities, . — $5,505 00 

Business of 1895. 

Total Business. Mass. Business. 

Number. Amount. Number. Amount. 

In force January 1, . . 3,368 $15,160,000 00 2,094 $9,748,500 00 

Written during the year, . 3,052 13,442,750 00 1,297 5,898,000 00 



Total, .... 6,420 $28,602,750 00 3,391 $15,646,500 00 
Ceased during the year, . . 2,497 10,296,625 00 1,020 4,411,750 00 



In force December 31, . . 3,923 $18,306,125 00 2,371 $11,234,750 00 

Claims unpaid January 1, . 24 $8,172 00 - 

Claims incurred during the year, 375 13,178 00 170 $6,809 00 



Total, .... 399 $21,350 00 - 

Claims paid during the year, . 379 15,845 00 170 $6,809 00 



Claims unpaid December 31, . 20 $5,505 00 



BANKERS' LIFE ASSOCIATION OF DES MOINES. 



331 



"BANKERS' LIFE ASSOCIATION OF DES MOINES, 10 WA," 

DES MOINES, IOWA. 

[Incorporated July 1, 1879. Commenced business Sept. 2, 1879.] 

Edward A. Temple, President. A. C. Stilson, Secretary. 

Income during 1895. 

For membership fees, $85,198 89 

annual dues, 106,746 31 

assessments, mortuary, 397,478 22 

guaranty deposits, 307,529 00 

interest, 81,716 58 

advances to agents repaid, 622 17 



Total income, . . . 
Balance on hand Dec. 31, 1894, 



$979,291 17 
1,494,264 49 



Total, $2,473,555 66 



Disbursements during 
For losses and claims, 

guaranty deposits returned, 
payments returned to members, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
rent, taxes, advertising and printing, 
legal expenses, .... 
advances to agents, . 
incidentals, .... 

Total disbursements, . 



1895. 

$366,000 00 

7,732 00 

2,651 02 

111,999 45 

35,276 70 

25,446 25 

8,262 36 

835 91 

' 780 00 

11,141 35 



570,125 04 



Balance, . . . . . . . . . . $1,903,430 62 



Invested in the following : — 

Assets as per Ledger Accounts. 
Loans on mortgages, 



Cost value of bonds and stocks owned, 
Guaranty notes, . . . 

Cash in bank, . 



Ledger assets, as per balance, . 
Less guaranty notes, 



$1,153,352 80 

131,496 86 

546,160 47 

72,420 49 

fl,903,430 62 

546,160 47 



Total, $1,357,270 15 



332 bankers' life association of DES MOINES. 



Non-invested Assets. 

Real estate loans, bonds and notes, . . . $30,760 61 

Guaranty notes, 546,160 47 

Total non-invested assets, .... $576,921 11 



$875 36 
1,900 00 


2,775 


36 






• # • 


$1,931,415 


90 



Gross assets, $1,934,191 26 

Liabilities. 
Advance assessments, 

Trust fund account, 

Total actual liabilities, 

Balance, net assets, .... 

Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, . . . $132,000 00 
Deduct estimated cost of collection, . . 1,320 00 

Net amount due from members, . . $130,680 00 

Contingent Mortuary Liabilities. 

Losses in process of adjustment (2), . . $6,000 00 

reported, not in process (7), . . 18,000 00 

resisted (3), 10,000 00 

Total contingent mortuary liabilities, . $ 34,000 00 

Business of 1895. 

Total Business. Mass. Business. 

Number. Amount. Number. Amount. 

In force January 1, . 29,648 $59,296,000 00 2 $4,000 00 

Written during the year, . . 9,906 19,812,000 00 9 18,000 00 



Total, . . . . .39,554 $79,108,000 00 11 $22,000 00 
Ceased during the year, . . 2,355 4,710,000 00 - 



In force December 31, . . 37,199 $74,398,000 00 

Claims unpaid January 1, . . 14 $28,000 00 
Claims incurred during the year, 181 372,000 00 



Total, . . . . . .195 $400,000 00 

Claims paid during the year, . 183 366,000 00 



Claims unpaid December 31, . 12 $34,000 00 



THE BANKERS LIFE ASSOCIATION OF MINNESOTA. 



333 



"THE BANKERS 1 LIFE ASSOCIATION OF MINNESOTA," ST. PAUL, 

MINN. 

[Incorporated Aug. 6, 1880. Commenced business Aug. 6, 1880. J 

Cortlandt M. Taylor, President. Douglas Putnam, Secretary. 



Income during 1895. 

For membership fees, $29,730 25 

annual dues, 73,549 48 

assessments, mortuary, 245,646 18 

interest, 19,883 61 

From guaranty trust fund notes, 48,983 75 

From all other sources, 19 50 

Total income, . . $417,812 77 

Balance on hand Dec. 31, 1894, 533,597 87 

Total, f951,410 64 



Disbursements during 1895. 



For losses and claims, .... 
guaranty deposits returned, 
salaries and commissions to agents, . 
salaries of officers and employees, . 
medical examiner's fees, . 
rent, taxes, advertising and printing, 

legal expenses, 

incidentals, . . . . . 

Total disbursements, .... 



$245,546 80 

1,225 50 

49,510 89 

23,019 12 

5,113 00 

10,416 86 

6,518 60 

9,716 17 



351,066 94 



Balance, $600,343 70 






Invested in the following : — 

Assets as per Ledger Accounts. 

Loans secured by pledge of bonds, stocks, etc., . . . |52,600 00 

Cost value of bonds and stocks owned, 476,758 71 

Cash in office, 677 85 

Cash in bank, . 70,307 14 

Ledger assets, as per balance, $600,343 70 

Less depreciation, 33,758 71 

Total,. $566,584 99 



334 bankers' life INS. CO. of the city OF NEW YORK. 



Non-invested Assets. 
Interest accrued, $883 02 

Guaranty trust fund notes, .... 104,605 00 

Total non-invested assets, .... 



Gross assets, 



$105,488 02 
$672,073 01 



Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, . . . f 62,476 04 
Assessment resisted, 28,000 00 



Total due from members, . 
Deduct estimated cost of collection, 
Net amount due from members, 



,476 04 
904 76 



Contingent Mortuary Liabilities. 
Losses resisted (6), 



In force January 1, 
Written during the year, 

Total, 
Ceased during the year, . 

In force December 31, 

Claims unpaid January 1, 

Claims incurred during the year, 116 

Total 130 

Claims paid during the year, . 124 

Claims unpaid December 31, . 6 



Business of 1895. 

Total Business. Mass. 

Number. Amount. Number. 

. 11,743 $23,486,000 00 83 

. 2,421 4,842,000 00 1 



1,571 28 
$28,000 00 



Business. 
Amount. 

$166,000 00 
2,000 00 



14,164 $28,328,000 00 
1,851 3,702,000 00 



84 
12 



$168,000 00 
24,000 00 



. 12,313 $24,626,000 00 72 $144,000 00 



14 



$28,000 00 
248,000 00 



$276,000 00 
248,000 00 

$28,000 00 



$2,000 00 



$2,000 00 



" BANKERS' LIFE INSURANCE COMPANY OF THE CITY OF 
NEW YORK," NEW YORK, N. Y. 

[Incorporated March 19, 1869. Commenced business March 24, 1869.] 

Richard Morgan, President. Franklin C. Elder, Secretary. 

Income during 1895. 



For annual dues, 

assessments, mortuary, $51,798.46; expense, $91,519.93, 

interest, .... 
From all other sources, 



Total income, 
Balance on hand Dec. 31, 1894, 

Total, 



$7,577 40 

143,318 39 

5,443 91 

4,368 00 



,707 70 
124,373 20 

$285,080 90 



BANKERS' LIFE INS. CO. OF THE CITY OF NEW YORK. 335 



Disbursements during 1895. 



For losses and claims, 

salaries and commissions to agents, 

salaries of officers and employees, 

medical examiner's fees, 

rent and taxes, . 

advertising and printing, 

incidentals, 

Total disbursements, . 



,790 75 

61,135 13 

11,856 78 

6,709 05 

2,808 82 

4,358 39 

13,709 86 



$150,368 78 



Balance $134,712 12 



Invested in the following : — 

Assets as per Ledger Accounts, 

Loans on mortgages, 

Cost value of bonds and stocks owned, . . . . 
Deposit with Missouri insurance department, . 

Cash in office, 

Cash in bank, 



$77,000 00 

21,092 50 

1,000 00 

1,300 35 

34,319 27 



• 


$134,712 12 


$879 31 




65 00 






Q44 31 







Ledger assets, as per balance, . 

Non-invested Assets. 

Interest accrued, 

Market value of bonds and stocks over cost, . 
Total non-invested assets, .... 

Gross assets, . $135,656 43 



Liabilities. 

Salaries, rents and office exp. due and accrued, $333 34 

Advance assessments, 359 50 

Disability trust fund account, .... 2,722 00 

Total actual liabilities, .... 



3,414 84 



Balance, net assets, $132,241 59 

Contingent Mortuary Assets (or Resources). 
Assessment called and not yet due, . . . $2,154 00 

Assessment uncollected, 35,694 72 

Total due from members, .... $37,848 72 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (3), . . . $3,23100 

in process of adjustment (1), . . ' 10,000 00 

resisted (2) , . 6,000 00 

Total contingent mortuary liabilities, . 



$19,231 00 



336 



BAY STATE BENEFICIAKY ASSOCIATION. 



Business of 1895. 

Total Business. Mass. Business. 

Number. Amount. Number. Amount. 



In force January 1, . 
Written during the year, 


1,814 
1,822 

3,636 
602 

3,034 

7 
, 34 

41 
35 

6 


$3,970,244 00 
6,813,500 00 


25 

265 

290 
94 

196 


$90,000 00 
980,000 00 


Total, . 
Ceased during the year, . 


$10,783,744 00 
2,377,615 00 


$1,070,000 00 
367,000 00 


In force December 31, 

Claims unpaid January 1, 
Claims incurred during the year 


$8,406,129 00 

$7,588 00 
62,304 00 


$703,000 00 


Total, . 
Claims paid during the year, . 


$69,892 00 
50,661 00 


- 


Claims unpaid December 31, . 


$19,231 00 


— 



BAY STATE BENEFICIARY ASSOCIATION, BOSTON. 

[Incorporated June 2, 1881. Commenced business June 2, 1881.] 

Geo. E. Curtis, Vice-President. F. E. Litchfield, Secretary. 

Office, 31 State Street. 



Income during 1895. 
For membership fees, 

annual dues, 

assessments, mortuary, $§55,008.25 ; 

interest, 
All other sources, 



Total income, 
Balance on hand Dec 



31, 1894, 



Total, $1,045,573 88 



expense, 



$2,533.36, 



$479 86 

115,471 01 

657,541 61 

7,333 03 

1,076 24 

$781,901 75 
263,672 13 



Disbursements during 

For losses and claims, 

Advance payments returned, . 

For salaries and commissions to agents, 

salaries of officers and employees, 

medical examiner's fees, . 

legal expenses, .... 

incidentals, .... 

Total disbursements, . 

Balance, ..... 



1895. 

$742,737 27 

681 75 

24,412 54 

17,386 83 

7,411 27 

4,160 86 

54,153 59 



850,944 11 

$194,629 77 



BAY STATE BENEFICIARY ASSOCIATION. 337 

Invested in the following : — 

Assets as per Ledger Accounts. 

Loans on mortgages, 03,700 00 

Cost value of bonds and stocks owned, 148,500 00 

Agents' ledger balances, 6,436 04 

Cash in office, 1,133 08 

Cash in bank 34,860 65 

Ledger assets, as per balance, $194,629 77 

Less agents' balances unsecured, 6,436 04 



Total, $188,193 73 

Non-invested Assets. 

Interest accrued, $1,673 16 

Securities held by Maine State Treasurer, on 
account of Provident Aid Society, . . 8,000 00 
Total non-invested assets, . . . 9,673 16 

Gross assets, $197,866 89 

Contingent Mortuary Assets (or Resources). 
Assessment resisted and reported, $275,000 00 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (42), . . . $109,27174 
in process of adjustment (32), . . 95,850 00 

reported, not in process (21), . . 52,000 00 

resisted (6), 12,325 00 

Total contingent mortuary liabilities, . $269,446 74 

Business of 1895. 

Total Business. Mass. Business. 

Kumber. Amount. Number. . Amount. 

In force January 1, . . . 17,012 § 46,111,175 00 8,162 $21,159,600 00 
Written during the year, . 6,038 10,525,200 00 1,352 1,601,900 00 

Total, .... 23,050 $56,636,375 00 9,514 $22,761,500 00 
Ceased during the year, . . 4,219 9,508,750 00 1,514 2,751,000 00 

In force December 31, . . 18,831 $47,127,625 00 8,000 $20,010,500 00 

Claims unpaid January 1, . 105 $296,528 00 47 $117,100 00 
Claims incurred during the year, 315 783,619 00 150 354,930 00 

Total, .... 420 $1,080,147 00 197 $472,030 00 
Claims paid during the year, . 319 810,700 00 151 365,213 00 

Claims unpaid December 31, . 101 $269,447 00 46 $106,817 00 



338 



BERKSHIRE HEALTH AND ACCIDENT ASSOCIATION. 



BERKSHIRE HEALTH AND ACCIDENT ASSOCIATION, 
WESTFIELD, MASS. 

[Incorporated Jan. 15, 1885. Commenced business Feb. 7, 1885.] 

H. N. Kingsbury, President. A. G. Jones, Secretary. 

Income during 1895. 

For membership fees, 

annual dues, ........ 

assessments, 

interest, 

From all other sources, ....... 

Total income, 

Balance on hand Dec. 31, 1894, 



Total, 



Disbursements during 1895. 



For losses and claims, 

advanced payments returned to rejected 

applicants, .... 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, 
advertising and printing, 
incidentals, . 
Total disbursements, . 



$569 57 



5 


35 


283 


00 


369 


00 


3 


00 


142 


25 


336 


69 



Balance, 
Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of bonds and stocks owned, .... 
Cash in bank, . ... 



Ledger assets, as per balance, . 



In force January 1, 
Written during the year, 



Business of 1895 (all in Massachusetts). 

Number. 

309 
731 



Total, . 
Ceased during the year, 



In force December 31, . 

Claims incurred during the year, 
Claims paid during the year, 



|246 00 


172 


22 


688 


66 


333 


75 


619 


00 


§2,059 


63 


1,667 


02 



1,040 
346 



12 
12 



5,726 65 



1,708 86 
$2,017 79 



$1,025 46 
992 33 

$2,017 79 



Amount. 

$30,900 00 
73,100 00 

$104,000 00 
34,600 00 



694 $09,400 00 



$570 00 
570 00 



BOSTON MUTUAL LIFE ASSOCIATION. 



339 



BOSTON MUTUAL LIFE ASSOCIATION", BOSTON". 

[Incorporated Aug. 18, 1891. Commenced business Feb. 15, 1892,] 

John W. Wheeler, President. Walter M. Lyman, Secretary. 

Office, 7 Water Street. 



Income during 1895. 
For membership fees, 

annual dues, 

assessments, mortuary, .... 

interest, ....... 

From all other sources, 



$9,544 91 
6,517 48 

27,436 99 
819 58 
279 60 



Total income, 
Balance on hand Dec. 31, 1894, 



$44,598 56 
20,965 83 



Total, $65,564 39 



Disbursements dcring 1895. 



For losses and claims, 

salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
incidental expenses, . 
Total disbursements, . 



$21,030 75 

5,779 85 

4,654 81 

1,453 50 

4,432 36 



37,351 27 



Balance, 



Invested in the following : — 

Assets as per Ledger Accounts. 
Cost value of bonds and stocks owned, . 

Cash in office, 

Cash in bank, 

Ledger assets, as per balance, . 
Less depreciation and agents' balances unsecured, 



$28,213 12 



$20,854 01 

276 91 

7,082 20 

$28,213 12 
281 51 



Total, , $27,931 61 



Contingent Mortuary Assets (or Resources). 

Assessment called and not yet clue, . . . $1,086 93 

Assessment resisted, 10,000 00 

Net amount due from members, . . 



Contingent Mortuary Liabilities. 



Losses resisted (5), 



$11,086 93 
$10,000 00 



340 COVENANT MUTUAL BENEFIT ASSOCIATION OF ILLINOIS. 



Business of 1895 (all in Massachusetts). 

, Number. 



In force January 1, 
Written during the year, 

Total, 

Ceased during the year, 

In force December 31, . . . 

Claims unpaid January 1, . 
Claims incurred during the year, 

Total, . . 
Claims paid during the year, , 

Claims unpaid December 31, 



1,183 
544 

1,727 

282 



Amount. 

5,100,250 00 

726,100 00 

5,826,350 00 

440,100 00 



1,445 $3,386,250 00 



3 
11 

14 
9 



$8,000 00 
24,000 00 

$32,000 00 
22,000 00 

$10,000 00 



"COVENANT MUTUAL BENEFIT ASSOCIATION OF ILLINOIS," 

GALESBURG, ILL. 

[Incorporated Jan. 9, 1877. Commenced business Jan. 9, 1877.] 

A. W. Berggken, President. W. H. Smollinger, Secretary. 

Income during 1895. 

For assessments, mortuary, $1,280,771.28; exp.,f 365,619.43, $1,646,390 71 
For interest, . 17,101 36 



Total income, $1,663,492 07 

Balance on hand Dec. 31, 1894, 643,949 09 



Total, . 



. $2,307,441 16 



Disbursements during 1895. 



For losses and claims, .... 
advanced payments and deposits returned 
salaries and commissions to agents, . 
for salaries of officers and employees, 
medical examiner's fees, . 
rent, taxes, advertising and printing, 
legal expenses, ..... 

incidentals, 

Total disbursements, .... 



,145,321 44 
50,512 02 

203,773 62 
55,045 34 
34,345 85 
32,336 42 
6,424 23 
31,722 85 



1,559,481 77 



Balance, .......... $747,959 39 



COVENANT MUTUAL BENEFIT ASSOCIATION OF ILLINOIS. 341 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of bonds and stocks owned, $545,269 43 

Agents' ledger balances, . . 74,681 37 

Cash in office, 13,879 20 

Cash in bank, .......... 114,129 39 



Ledger assets, as per balance, $747,959 39 

Less depreciation and agents' balances unsecured, . . 122,785 24 

Total, $625,174 15 

Non-invested Assets. 

Interest due and accrued, . . . . ■ $5,218 50 

Postage stamps, 775 22 

Furniture, fixtures, etc., . . $19,392 10 

Total non-invested assets, .... 5,993 72 



Gross assets, $705,849 24 

Liabilities. 

Advance assessments, . . . . . . . 9,605 73 



Balance, net assets, ........ $696,243 51 

Contingent Mortuary Assets (or Resources). 
Assessment called and not yet due, . . . $268,479 44 
not yet called for losses unadjusted, 296,910 00 
resisted, $49,000; and reported, 

$99,000, . . . . . 148,000 00 
Total due from members, . . . . $713,389 44 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (18), . . . $28,875 00 

in process of adjustment (130), . . 268,035 00 
reported, not in process (44), . . 99,000 00 

resisted (14), 49,000 00 

Total contingent mortuary liabilities, . $444,910 00 

Business of 1895. 

Total Business. Mass. Business. 

Number. Amount. Number. Amount. 

In force January 1, . . .45,322 $98,440,375 00 1,277 $2,451,750 00 
Written during the year, . 12,663 20,019,500 00 625 910,250 00 



Total, .. . . .57,985 $118,459,875 00 1,902 $3,362,000 00 
Ceased during the year, . . 13,730 25,649,125 00 509 824,375 00 



In force December 31, . . 44,255 $92,810,750 00 1,393 $2,537,625 00 



342 EQUITABLE ACCIDENT INSURANCE ASSOCIATION. 

Total Business. Mass. Business. 

Number. Amount. Number. Amount. 

Claims unpaid January 1, . 156 f 387,9 10 00 6 $8,000 00 

Claims incurred during the year, 531 1,221,500 00 ,12 13,500 00 



Total, .... 687 $ 1,609,410 00 18 $21,500 00 
Claims paid during the year, . 481 1,164,500 00 17 20,500 00 



Claims unpaid December 31, . 206 $444,910 00 1 $1,000 00 



EQUITABLE ACCIDENT INSURANCE ASSOCIATION, BOSTON, 

MASS. 

[Incorporated May 23, 1893. Commenced business Aug. 4, 1893.] 

Edward A. Loomis, President. Arthur T. Harlow, Secretary. 

Office, 53 Devonshire Street. 

Income during 1895. 

For membership fees, $3,800 00 

assessments, mortuary, $4,077 ; expense, $12,408, . . 16,485 00 

interest, 254 65 

Total income, $20,539 65 

Balance on hand Dec. 31, 1894, 6,738 62 

Total, $27,278 27 

Disbursements during 1895. 

For losses and claims, $5,181 44 

advanced payments returned to rejected 

applicants, 35 13 

salaries and commissions to agents, . . 7,116 16 

salaries of officers and employees, . . 4,065 00 

medical examiner's fees, .... 41 40 

rent, taxes, advertising and printing, . 1,755 00 

legal expenses, 476 25 

incidentals, ....... 1,431 50 

Total disbursements, ..... 20,101 88 

Balance, $7,176 39 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of bonds and stocks owned, . . . . . $5,058 64 

Cash in office, .......... 175 67 

Cash in bank, .......... 1,942 08 

Ledger assets, as per balance, . , . . . $7,176 39 



EQUITABLE ACCIDENT INSURANCE ASSOCIATION. 343 



Non-invested Assets. 

Interest accrued, $126 00 

Market value of bonds and stocks over cost, . 674 36 

Office furniture, .... $260 65 

Total non-invested assets, .... $800 36 

Gross assets, $7,976 75 

Liabilities. 

Salaries, rents and office expenses due and 

accrued, $794 83 

Commissions, 47 05 

Total actual liabilities, .... 841 88 

Balance, net assets, $7,134 87 

Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, . » . $974 00 

due and unpaid, .... 323 00 

not yet called for losses unadjusted, 74 00 

resisted, $5,150 ; and reported, 

$164.28, . . . . . 5,314 28 



Total due from members, .... $6,685 28 

Deduct estimated cost of collection, . . . 668 53 

Net amount due from members, . . — $6,016 75 

Contingent Mortuary Liabilities. 

Losses in process of adjustment (4), . . $74 00 

reported, not in process (1), . . . 164 28 

resisted (2) 5,150 00 

Total contingent mortuary liabilities, . $5,388 28 

Business of 1895. 

Total Business. Mass. Business. 

Number. Amount. Number. Amount. 



In force January 1, . 
Written during the year, 


1,810 
1,083 

2,893 
1,086 

1,807 

3 

', 119 

122 
115 


$7,046,000 00 
5,245,500 00 


1,270 
704 

1,974 

852 

1,122 

3 

82 

85 

85 


$5,670,000 00 
3,352,750 00 


Total, . . . . 
Ceased during the year, . 


$12,291,500 00 
5,370,000 00 


$9,022,750 00 
4,188,500 00 


In force December 31, . 

Claims unpaid January 1, 
Claims incurred during the year 


$6,921,500 00 

$265 00 
10,304 00 


$4,834,250 00 

$265 00 
4,219 00 


Total, . 
Claims paid during the year, . 


$10,569 00 
5,181 00 


$4,481 00 
4,484 00 



Claims unpaid December 31, . 7 $5,388 00 



344 FATHER MATHEW FRATERNAL ACCIDENT ASSOCIATION. 



FATHER MATHEW FRATERNAL ACCIDENT ASSOCIATION OF 
AMERICA, PITTSFIELD, MASS. 

[Incorporated Sept. 3, 1891. Commenced business Jan. 1, 1892.] 

John J. Leonakd, President. Edward F. Flannagan, Secretary. 

Income during 1895. 
For membership fees, 
annual dues, 



assessments, 

from borrowed money, 

Total income, 
Balance on hand Dec. 31, 1894, 



Total, 



Disbursements during 1895. 



For losses and claims, . . . 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, 
rent, advertising and printing, 
incidentals, . 
Total disbursements, . 

Balance, 

Invested in the following : — 

Assets as per Ledger Accounts. 
Cost value of bonds and stocks owned, .... 

Agents' ledger balances, 

Cash in office, 

Cash in bank, 



Ledger assets, as per balance, 
Less agents 1 ledger balances, . 



Total, 



Non-invested Assets. 



Interest accrued, 
Office furniture, 

Gross assets, 



$200 00 



Liabilities. 



Borrowed money, 
Advance assessments, 

Total actual liabilities, 

Balance, net assets, . 



,000 00 
171 00 



52,170 00 
1,139 00 
2,156 00 
1,000 00 

^6,465 00 
1,429 20 

&7,894 20 



$1,789 02 




2,562 45 




1,334 03 




49 50 




340 16 




148 50 






6,223 66 





,670 54 



$1,018 00 
123 20 
176 50 
352 84 

$1,670 54 
123 20 

$1,547 34 



180 00 



L,727 34 



1,171 00 
11,556 34 



THE FIDELITY MUTUAL LIFE ASSOCIATION. 



345 



Business of 1895 (all in Massachusetts). 

In force January 1, 
Written during the year, 

Total, 

Ceased during the year, 

In force December 31, . 

Claims incurred during the year, 
Claims paid during the year, 



Number. 

. 450 
. 434 


Amount. 

$450,000 00 
434,000 00 


. 884 
. 356 


$884,000 00 
356,000 00 


. 528 

34 
34 


$528,000 00 

$1,789 00 
1,789 00 



"THE FIDELITY MUTUAL LIFE ASSOCIATION," 
PHILADELPHIA, PA. 

[Incorporated Dec. 1, 1878. Commenced business Jan. 1, 1879.] 

L. G. Fouse, President. W. S. Campbell, Secretary. 



Income during 1895. 

For membership fees, 

annual dues, 

assessments, mortuary, $730,078.49 ; expense, 
medical examiner's fees paid by applicant, 
interest, $45,537.29 ; rents, $3,145.56, 
fees for changing policies, 



Total income, 
Balance on hand Dec. 31, 1894, 




$253,352 31 

311,262 36 

739,009 41 

3,808 00 

48,682 85 

311 70 

,356,426 63 
1,027,536 40 



Total, $2,383,963 03 



Disbursements during 1895. 



For losses and claims, 

advance payments returned, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
rent, taxes and advertising, 
legal expenses, State licenses, etc., 
travelling expenses, postage, etc., 
incidentals, . . 

Total disbursements, . . , 



|434,328 62 
67,987 97 
342,407 40 
90,474 95 
37,190 51 
55,691 06 
10,164 29 
17,425 44 
10,396 65 



1,066,066 89 



Balance, $1,317,896 14 



346 



THE FIDELITY MUTUAL LIFE ASSOCIATION. 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost of real estate, 

Loans on mortgages, .... 

secured by pledge of bonds, stocks, etc 

secured by liens on policies, . 
Cost yalue of bonds and stocks owned, . 
Agents' ledger balances, . . . . 

Cash in office, 

Cash in bank, 



Total net or invested assets, .... 
Less agents' balances and loans on company's policies, 



$670,305 93 

238,318 13 

25,698 63 

29,531 83 

41,101 14 

247,374 43 

478 34 

65,087 71 

$1,317,896 14 
278,615 77 



Total, $1,039,280 37 

Non-invested Assets. 

Interest due, $1,029.75 ; accrued, $ 3,813.92, . $4,843 67 
Market value of real estate over cost and in- 
cumbrances, 39,614 09 

Total non-invested assets, .... 44,457 76 

Gross assets, $1,083,738 13 



Liabilities. 

Salaries, rents and office expenses due and 

accrued, 

Advance assessments and dividend obligations, 
Total actual liabilities, . 



$55 67 
120,019 25 



120,074 92 



Balance, net assets, $963,663 21 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (9), . . ' . $ 22,800 00 
in process of adjustment (1), . . 1,000 00 

reported, not in process (33), . . 84,000 00 

resisted (3), 15,000 00 

Total contingent mortuarv liabilities, . $122,800 00 



In force January 1, . 
Written during the year, 

Total, 
Ceased during the year, , 

In force December 31, . 



Business of 1895. 

Total Business. Mass. Business. 

Number. Amount. Number. Amount. 

. 22,744 $53,132,900 00 1,184 $3,154,000 00 
. 8,086 19,571,919 00 342 952,190 00 



. 30,830 $72,704,819 00 1,526 $4,106,190 00 
. 5,491 13,341,476 00 298 919,500 00 



. . 25,339 $59,363,343 00 1,228 $3,186,690 00 



GREENFIELD LIFE ASSOCIATION. 



347 



Total Business. Mass. Business. 

Number. Amount. Number. Amount. 

Claims unpaid January 1, . 46 $94,354 30* 3 $6,894 30f 

Claims incurred during the year, 201 462,774 32 9 15,793 85 



Total, . . . . 247 $557,128 62 12 $22,688 15 
Claims paid during the year, . 201 434,328 62 11 20,688 15 



Claims unpaid December 31, . 46 $122,800 00 1 $2,000 00 



GREENFIELD LIFE ASSOCIATION", GREENFIELD, MASS. 

[Incorporated June 28, 1895. Commenced business Oct. 8, 1895.] 

Eben A. Hall, President. Herbert O Edgerton, Secretary. 

Income during 1895. 
For membership fees, ........ 



annual dues, 
assessments, mortuary, 



Total income, 



Disbursements during 1895. 

For advanced payments returned to rejected 
applicants, .... 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
incidentals, .... 

Total disbursements, . 



Balance, 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of bonds and stocks owned, 

Cash in office, ' . 

Cash in bank, .......... 

Ledger assets, as per balance, ...... 

Business of 1895 (all in Massachusetts). 

Number. 

Written during the year, 506 

In force Dec. 31, 506 



$1,658 00 
706 80 
2,377 11 

$4,741 91 



$55 07 




315 78 




749 67 




772 25 




189 02 






2,081 79 





1,660 12 



$1,160 00 

5 48 

1,494 64 



!,660 12 



Amount. 

$576,000 00 
576,000 00 



* Saved by compromise, $23,145.70. 



t Saved by compromise, $105.70. 



348 



GUARDIAN LIFE INSURANCE COMPANY. 



GUARDIAN LIFE INSURANCE COMPANY, BOSTON, MASS. 

[Incorporated Sept. 15, 1894. Commenced business Feb. 9, 1895.] 

Geo. H. Perry, President. Mortimer Redman, Secretary. 

Office, 17 Doane Street. 



Income during 1895. 

For assessments, mortuary, $1,118.68; expense, $13,858.35, 

interest, 

advances to agents repaid, 

From all other sources, . 



Total income, 



Disbursements during 1895. 

For losses and claims, $ 4,685 00 

advance payments returned to rejected 

applicants, 125 28 

salaries and commissions to agents, . . 9,911 88 

salaries of officers and employees, . . 1,443 85 

medical examiner's fees, ..... 1,225 75 

incidentals, . . . . . . , 5,346 91 

Total disbursements, .... 



Balance, .... 

Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of bonds and stocks owned, 
Agents' ledger balances, . 
Cash in office, .... 
Cash in bank, .... 



Ledger assets, as per balance, 
Less agents 1 balances unsecured, 



Total, 



$14,977 03 

40 00 

100 00 

10,647 03 

$25,764 06 



Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, . . . $500 00 

Assessment resisted, 5,750 00 

Total due from members, .... 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (1), . . . $500 00 

Losses resisted (15), 5,750 00 

Total contingent mortuary liabilities, . 



22,768 67 
$2,995 39 



$1,022 50 

1,213 08 

365 00 

394 81 

$2,995 39 

1,213 08 

$1,782 31 



1,250 00 



1,250 00 



HARTFORD LIFE AND ANNUITY INSURANCE COMPANY. 349 



Business of 1895. 

Total Business. Mass. Business. 

Number. Amount. Number. Amount. 

Written during the year,. . 4,117 $2,119,850 00 3,048 $1,719,550 00 

Ceased during the year, . . 2,354 1,214,450 00 1,893 1,064,000 00 



In force December 31, . . 1,763 $905,400 00 1,155 $655,550 00 



Claims incurred during the year, 29 
Claims paid during the year, . 13 



Claims unpaid December 31, . 16 



,450 00 28 $ 11,200 00 
5,200 00 12 4,950 00 



!,250 00 16 



1,250 00 



"HARTFORD LIFE AND ANNUITY INSURANCE COMPANY," 

HARTFORD, CONN. 

[Incorporated May, 1866. Commenced business of assessment insurance January, 1880.] 

R B. Parker, President. Stephen Ball, Secretary. 



Income during 1895. 

For membership fees, 

annual dues, ...... 

assessments, 

medical examiner's fees paid by applicant, 
interest, . 



),415 00 

259,184 77 

1,431,742 88 

23,137 44 

57,455 84 






Total income, 
Balance on hand Dec. 31, 1894, 



. $1,851,935 93 
. 1,473,061 26 



Total, $3,324,997 19 



Disbursements during 1895. 






For losses and claims, 

advance payments applied, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
membership dividends applied, 
legal expenses, .... 
rent, taxes, advertising and printing 
incidentals, 
Total disbursements, . . . 



$1,270,773 79 

7,780 90 

159,481 26 

71,600 69 

. 26,455 84 

104,047 08 

6,084 89 

31,222 16 

41,968 53 



1,719,415 14 



Balance, . , . . . , . . . . $1,605,582 05 



350 HARTFORD LIFE AND ANNUITY INSURANCE COMPANY. 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost of real estate, $20,482 08 

Loans on mortgages, 17,300 00 

Cost value of bonds and stocks owned, 169,443 91 

Cash in office, 3,564 02 

Cash in bank, . 1,394,792 04 



Ledger assets, as per balance, $1,605,582 05 

Less depreciation and agents 1 balances unsecured, . . . 23,243 33 



Total, $1,582,338 72 

NON-INYESTED ASSETS. 

Interest accrued, , 1,043 28 



Gross assets $1,583,382 00 



Liabilities. 

Losses adjusted, due and unpaid, 
Taxes due and accrued, .... 
Advance assessments, .... 
All other (not including contingent mortuary) 
Accumulated safety fund, 
Total actual liabilities, 



Balance, net assets, 



$6,250 00 
8,552 41 
3,427 15 

92,692 78 
1,183,471 06 



1,294,393 40 
|288,988 60 



Contingent Mortuary Assets (or Resources). 

Assessment due and unpaid, .... $246,000 00 
not yet called for losses unadjusted, 76,000 00 

resisted, 6,000 00 

Total due from members, .... $ 328,000 00 

Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (93), . . . $246,000 00 
reported, not in process (27), . . 76,000 00 

resisted (3), 6,000 00 

Total contingent mortuary liabilities, . $328,000 00 

Business of 1895. 

Total Business. Mass. Business. 

Number. Amount. Number. Amount. 

In force January 1, . . .40,749 $87,336,500 00 2,261 $4,957,000 00 
Written during the year, . 6,999 11,550,400 00 456 791,000 00 



Total, . . . .47,748 $98,886,900 00 2,717 $5,748,000 00 
Ceased during the year, . . 5,110 9,400,200 00 233 475,500 00 



In force December 31, . .42,638 $89,486,700 00 2,484 $5,272,500 00 



MAINE BENEFIT ASSOCIATION. 



351 



Total Business. 



Mass. Business. 



Number. Amount. Number. Amount. 

Claims unpaid January 1, . 114 8258,500 00 7 $9,500 00 

Claims incurred during the year, 516 1,367,000 00 24 42,000 00 



Total, .... 630 $1,625,500 00 
Claims paid during the year, . 504 1,270,773 00 



Claims unpaid December 31, . 126 $354,727 00 



31 

28 



f 5 1,500 00 
42,222 00 



»,278 00 



"MAINE BENEFIT ASSOCIATION," AUBURN, ME. 

[Incorporated March 5, 1885. Commenced business March 17, 1885.] 

George C. Wing, President. Nathan W. Harris, Secretary. 

Income during 1895. 

For membership fees, $9,212 25 

annual dues, . 20,548 27 

assessments, mortuary, $155,338.32 ; expense, $5,769.96, . 161,108 28 

interest, $4,438.49 ; rents, $93.75, 4,532 24 

From all other sources, 1 ,068 35 

Total income, $ 196,469 39 

Balance on hand Dec. 81, 1894, 89,053 69 



Total, $285,523 08 

Disbursements during 1895. 



For losses and claims, . 

advanced payments returned, . 
salaries and commissions to agents, . 
salaries of officers and employees, . 
medical examiner's fees, . 
rent, taxes, advertising and printing, 
interest and premium on bonds purchased 
profit and loss account, 

incidentals, 

Total disbursements, .... 



$131,525 00 
1,062 78 
19,326 19 
8,149 71 
2,677 50 
2,439 58 
2,481 66 
1,475 00 
2,844 77 



Balance, 

Invested in the following : — 

Assets as per Ledger Accounts 

Par value of bonds and stocks owned, 

Cash in office, 

Cash in bank, 



Ledger assets, as per balance, . 
Cost value of bonds and stocks above par, 

Total,. 



171,982 19 
$113,540 89 



$112,500 00 
582 80 
458 09 

$113,540 89 
2,310 00 

$115,850 89 



352 MAINE BENEFIT ASSOCIATION. 



Non-invested Assets. 
Interest accrued, 

Rents due, . 

Market value of bonds and stocks over cost, . 
Total non-invested assets, .... 

Gross assets, . . . ... . , . $ 118,371 68 

Liabilities. 

Borrowed money, . . , . . . $1,500 00 

Advance assessments, 294 58 

Total actual liabilities, .... 1,794 58 



$1,236 29 




62 50 




1,222 00 






$2,520 79 





Balance, net assets, $116,577 10 

Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, . . . $24,636 99 
Assessment reported, 27,000 00 



Total due from members, .... $51,636 99 
Deduct estimated cost of collection, . . 1,179 79 

Net amount due from members, . . $50,457 20 

Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (13), . . . $32,000 00 
Losses in process of adjustment (4), . . 9,000 00 

Total contingent mortuary liabilities, . $41,000 00 

Business of 1895. 

Total Business. Mass. Business. 

Number. Amount. Number. Amount. 

In force January 1, . . 6,263 $12,486,000 00 1,221 $2,042,500 00 

Written during the year, . 1,975 1,413,500 00 834 602,000 00 

Total, 
Ceased during the year, . 

In force December 31, . 



Claims unpaid January 1, 

Claims incurred during the year, 65 



Total, 
Claims paid during the year, . 70 



8,238 
1,737 


$13,899,500 00 
1,735,500 00 


2,055 
773 

1,282 

4 
16 

20 
18 


$2,644,500 00 
605,500 00 


6,501 

22 
r, 65 


$12,164,000 00 

$46,000 00 
126,525 00 


$2,039,000 00 

$8,000 00 
16,000 00 


87 
70 


$172,525 00 
131,525 00 


$24,000 00 
18,275 00 



Claims unpaid December 31, . 17 $41,000 00 2 $5,725 00 



MASON'S FRATERNAL ACCIDENT ASS'N OF AMERICA. 353 



MASON'S FRATERNAL ACCIDENT ASSOCIATION OF AMERICA, 

WESTFIELD, MASS. 

[Incorporated Aug. 15, 1887. Commenced business Oct. 1, 1887.] 

William Provin, President. James A. Lakin, Secretary. 

Income during 1895. 

For membership fees, $23,490 00 

annual dues, 40,175 00 

assessments, mortuary, 76,606 50 

interest, 571 14 



Total income, $140,842 64 

Balance on hand Dec. 31, 1894, 22,402 94 



Total, $163,245 58 



Disbursements during 1895. 



For losses and claims, .... 
salaries and commissions to agents, . 
salaries of officers and employees, . 
medical examiner's fees, . 
rent, taxes, advertising and printing, 

incidentals, 

Total disbursements, .... 



$78,989 93 

39,453 16 

11,970 25 

567 00 

3,203 43 

7,464 82 

141,648 59 



Balance, $21,596 99 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of bonds and stocks owned, $2,580 00 

Cash in office, . 3,455 55 

Cash in bank, 15,561 44 



Ledger assets, as per balance, $21,596 99 

Non-intested Assets. 
Furniture and fixtures, ..... $2,809 24 

Market value of bonds and stocks over cost, .... 124 00 



Gross assets, , $21,720 99 

Liabilities. 
Advance assessments, ..... $2,093 00 

Agents' credit balances, . . . . . 734 84 

Total actual liabilities, .... 2,827 84 



Balance, net assets, $18,893 15 



354 MASONIC EQUITABLE ACCIDENT ASS'N OF THE WORLD. 



Contingent Assets (or Resources). 

Assessment called and not yet due, . . . $14,318 50 

due and unpaid, .... 7,751 50 

not yet called for losses unadjusted, 5,000 00 

resisted, 23,000 00 

Total due from members, .... $50,070 00 

Contingent Liabilities. 
Losses adjusted, not yet due (3), . . . $11,250 00 
in process of adjustment (1), . . 5,000 00 

resisted (5), 23,000 00 

Total contingent mortuary liabilities, . $39,250 00 

Business op 1895. 

Total Business. Mass. Business. 

Number. Amount. Number. Amount. 

In force January 1, . .10,017 $42,595.390 00 1,437 $6,042,780 00 

Written during the year, . 5,432 21,203,250 00 72 318,250 00 

Total, . . . 15,449 $63,798,640 00 1,509 $6,361,030 00 

Ceased during the year, . . 3,676 16,542,000 00 290 1,408,000 00 

In force December 31, ■ . .11,773 $47,256,640 00 1,219 $4,953,030 00 

Claims unpaid January 1, 5 $19,250 00 - 

Claims incurred during the year, 822 98,990 00 66 $5,151 00 



Total, .... 827 $118,240 00 - 

Claims paid during the year, . 818 78,990 00 66 $5,15100 



Claims unpaid December 31, . 9 $39,250 00 



"MASONIC EQUITABLE ACCIDENT ASSOCIATION OF THE 

WORLD," BOSTON. 

[Incorporated Dec. 10, 1891. Commenced business Jan. 1, 1892.] 

Albert C. Smith, President. C. S. Perry, Secretary. 

Office, 131 Devonshire Street. 

Income durtng 1895. 

For membership fees, $23,865 00 

assessments, mortuary, $52,152 ; expense, $26,673.78, . 78,825 78 

interest, . . 287 94 

Total income $102,978 72 

Balance on hand Dec. 31, 1894, . , 12,659 01 

Total,. $115,637 73 



MASONIC EQUITABLE ACCIDENT ASS'N OF THE WORLD. 355 



Disbursements during 1895. 



For losses and claims, . 

salaries and commissions to agents, . 
salaries of officers and employees, . 
medical examiner's fees, . 
rent, taxes, advertising and printing, 

legal expenses, 

incidental expenses, . 
Total disbursements, . 



$46,218 37 
28,392 27 
14,125 15 
1,985 50 
2,823 29 
1,111 50 
2,002 76 



$96,658 84 



Balance, f 18,978 89 

Invested in the following : — 

Assets as per Ledger Accounts. 



Cost value of bonds and stocks owned, 
Cash in office, . . . . 
Cash in bank, 



Ledger assets, as per balance, . 



£9,786 50 
1,163 80 
8,028 59 



$18,978 89 



Non-invested Assets. 

Interest due, $95 ; accrued, $47.50, . . . $142 50 

Market value of bonds and stocks over cost, . 121 00 
Office furniture, . . . $1,200 00 

Total non-invested assets, .... 



Gross assets, 



263 50 



$19,242 39 



Liabilities. 



Advance assessments, 



2,926 50 



Balance, net assets, . . . . . $16,315 89 



Contingent Assets (or Resources). 

Assessment due and unpaid, .... $2,406 00 

not yet called for losses unadjusted, 3,660 00 

resisted, f 6,200 ; and reported, $4,500, 10,700 00 

Total due from members, .... 



$16,766 00 



Contingent Liabilities. 



Losses in process of adjustment (61), 
reported, not in process (3), . 

resisted (3), 

Total contingent mortuary liabilities, 



$3,660 00 
4,500 00 
6,200 00 



$14,360 00 



356 



MASSACHUSETTS BENEFIT LIFE ASSOCIATION. 



In force January 1, . 
Written during the year, 

Total, 
Ceased during the year, . 

In force December 31, . 

Claims unpaid January 1, 

Claims incurred during the year, 719 

Total, .... 782 
Claims paid during the year, . 715 

Claims unpaid December 31, . 67 



Business of 1895. 

Total Business. Mass. Business. 

Number. Amount. Number. Amount. 

. 6,201 |26,356,500 00 3,457 $15,526,250 00 
. 4,773 14,414,000 00 1,557 5,584,750 00 



. 10,974 $40,770,500 00 5,014 $21,111,000 00 
. 3,183 11,364,000 00 999 3,860,500 00 



. 7,791 $29,406,500 00 4,015 $17,250,500 00 



63 



$4,932 00 22 
55,646 00 211 



,578 00 233 
46,218 00 215 



$14,360 00 18 



$1,341 00 
19,407 00 

$20,748 00 
19,668 00 

$1,080 00 



MASSACHUSETTS BENEFIT LIFE ASSOCIATION, BOSTON, MASS. 

[Incorporated Feb. 8, 1878. Commenced business Oct. 13, 1879.] 

George A. Litchfield, President, E. S. Litchfield, Secretary. 

Office, 53 State Street. 



Income during 1895. 

For membership fees, 
annual dues, 
assessments, 
interest, 
registered letter notices, etc., 



Total income, 
Balance on hand Dec. 31, 1894, 



Total, $3,795,737 21 



$258,179 43 

237,535 79 

2,206,761 46 

28,654 06 

1,708 78 

^2,732,839 52 
1,062,897 69 



Disbursements during 1895. 



For losses and claims, 

dividends paid certificate holders, 

salaries and commissions to agents, 

salaries of officers and employees, 

medical examiner's fees, 

agency expenses, 

legal expenses, . 

rent, taxes, advertising and printing 

incidental expenses, . 

Total disbursements, . 



Balance, ......,,,. $1,082,313 77 



$1,703,958 34 
424,269 14 
329,015 39 
55,887 87 
58,814 41 
25,774 21 
30,029 18 
57,480 95 
28,193 95 



2,713,423 44 



MASSACHUSETTS BENEFIT LIFE ASSOCIATION. 



357 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost of real estate, 

Loans on mortgages, 

Loans secured by pledge of bonds, stocks, etc 
Cost value of bonds and stocks owned, . 
Agents 1 ledger balances, .... 

Cash in office, 

Cash in bank, 



Ledger assets, as per balance, . 



$198,430 72 

221,901 69 

27,653 12 

324,904 50 

78,671 46 

10,476 11 

220,276 17 

. $1,082,313 77 



Not Admitted. 



Agents 1 ledger balances, . 
Special deposits, Canada, . 



$78,671 46 
108,050 00 



186,721 46 



Total net or invested assets, . , . 



. $895,592 31 



Non-invested Assets. 

Interest due and accrued, ..... $4,899 39 

Premiums collected and in process of trans- 
mission from foreign department, . . 37,958 91 

Market value of real estate over cost and in- 
cumbrances, 10,319 28 

Market value of bonds and stocks over cost, . 16,059 25 

Machinery and stock in printing 

department, .... $13,860 33 
Total non-invested assets, .... 



69,236 83 






Gross assets, . - . . $964,829 14 



Contingent Mortuary Assets (or Resources). 

Assessment called and not yet due, . . . $263,500 00 
Assessment not yet called for losses unadjusted, 411,500 00 

Total due from members, . . . . $675,000 00 



Contingent Mortuary Liabilities. 



Losses adjusted, not yet due (102), . . . 
in process of adjustment (35), 
reported, not in process (30), 

resisted (7), 

Total contingent mortuary liabilities, 



$359,083 13 
82,531 94 
76,300 00 
29,000 00 



$546,915 07 



358 



MASSACHUSETTS MASONIC LIFE ASSOCIATION. 



In force January 1, . 
Written during the year, 

Total, 
Ceased during the year, . 

In force December 31, . 
Claims unpaid January 1, 



Business of 1895. 

Total Business. Mass. Business. 

Number. Amount. Number. Amount. 

.39,880 $106,889,455 0010,351 $33,065,235 00 
.19,613 20,121,350 00 2,239 1,665,200 00 



. 59,493 $127,010,805 00 12,590 $34,730,435 00 
. 7,553 14,442,025 00 854 2,293,700 00 



.'51,940 $112,568,780 0011,736 $32,436,735 00 
. 153 $485,910 00 41 $131,150 00 



Claims incurred during the year,* 670 1,907,300 00 179 535,125 00 

Total, .... 823 $2,393,210 00 220 $666,275 00 

Claims paid during the year,f 649 1,846,295 00 176 534,700 00 

Claims unpaid December 31, . 174 $546,915 00 44 $131,575 00 



MASSACHUSETTS MASONIC LIFE ASSOCIATION, SPRINGFIELD, 

MASS. 

[Incorporated June 9, 1893. Commenced business Sept. 1, 1893.] 

Charles C. Spellman, President. William W. Gowdy, Secretary. 

Income during 1895. 

For membership fees, . • $203 60 

annual dues, . . . 7,115 00 

assessments, mortuary, $85,735.29 ; expense, $11,546.50, . 97,281 79 

interest, 927 67 



Total income, $105,528 06 

Balance on hand Dec. 31, 1894, 33,451 98 



Total, , . $138,980 04 

Disbursements during 1895. 

For losses and claims, 

advance payment returned, 

salaries and commissions to agents, 

salaries of officers and employees, 

medical examiner's fees, . 

legal expenses, . 

rent, advertising and printing, . 

incidentals, .... 

Total disbursements, .... . 113,546 50 



$102,000 00 


27 45 


7,455 34 


1,850 00 


80 00 


332 90 


404 38 


1,396 43 



Balance, $25,433 54 



* Seventy-four disability claims, amounting to $83,725. 
f Including disability and compromise settlements. 



MASSACHUSETTS MUTUAL ACCIDENT ASSOCIATION. 



359 



Invested in the following : — 

Assets as per Ledger Accounts. 
Cash in bank, ......... 



$25,433 54 



Business op 1895. 



In force January 1, . 
Written during the year, 



Total Business. Mass. Business. 

Number. Amount. Number. Amount. 

1,880 $3,864,000 00 1,489 $3,198,000 00 
83 69,000 00 53 45,000 00 



Total, 
Ceased during the year, . 


3yeai 

jar, . 
31, . 


1,963 
174 

1,789 

10 

% 47 

57 
48 

9 


$3,933,000 0J- 
348,000 00 


1,542 
174 

1,368 

9 

47 

56 
48 

8 


$3,243,000 00 
348,000 00 


In force December 31, 

Claims unpaid January 1, 
Claims incurred during th< 


$3,585,000 00 

$17,000 00 
103,500 00 


$2,895,000 00 

$17,000 00 
103,500 00 


Total, 
Claims paid during the yt 


$120,500 00 
102,000 00 


$120,500 00 
102,000 00 


Claims unpaid December 


$18,500 00 


$18,500 00 



MASSACHUSETTS MUTUAL ACCIDENT ASSOCIATION, BOSTON, 

MASS. 

[Incorporated Dec. 8, 1883. Commenced business Jan. 1, 1884.] 

Daniel Lovering, Jr., President. G. Leonard McNeill, Secretary. 

Office, 131 Devonshire Street. 



Income during 1895. 
For membership fees, .... 

assessments, ..... 

interest, 

reinstatement of lapsed certificates, . 



Total income, 
Balance on hand Dec. 31, 1894, 



Total, . 



Disbursements during 1895. 



For losses and claims, .... 
salaries and commissions to agents, . 
salaries of officers and employees, . 
medical examiner's fees, . 
rent, taxes, advertising and printing, 
furniture and fixtures, 
profit and loss, . 
premium and interest on bonds, 

incidentals, 

Total disbursements, . 

Balance, ...... 



,411 68 

19,806 66 

7,538 17 

1,033 48 

4,293 88 

457 55 

605 98 

171 83 

3,432 96 



$13,934 00 

39,273 45 

543 16 

8,175 50 



$61,926 11 
18,807 38 



,733 49 



61,752 19 
$18,981 30 



360 MASSACHUSETTS MUTUAL ACCIDENT ASSOCIATION. 

Invested in the following : — 

Assets as per Ledger Accounts. 

Agents' ledger balances, . . . . . . . . $ 374 62 

Cash in office, 1,093 24 

Cash in bank, 17,51344 



Ledger assets, as per balance, . . . . . . $18,981 30 

Less agents' balances, . . ... . . . 374 62 

Total, $18,606 68 

Non-invested Assets. 
Office furniture, $1,691 28 

Liabilities. 

Borrowed money, . . . . . . $3,000 00 

Advance assessments, 3,181 45 

Total actual liabilities, ,. . . . 6,181 45 

Balance, net assets, $12,425 23 

Contingent Assets (or Resources). 

Assessment called and not yet due, . . . $2,281 85 

not yet called for losses unadjusted, 265 73 

resisted, . . . . . . 2,000 00 

Total due from members, .... $4,547 58 

Contingent Liabilities. 

Losses in process of adjustment (4), . . $265 73 

Losses resisted (1), 2,000 00 

Total contingent mortuary liabilities, . $2,265 73 

Business of 1895. 

Total Business. Mass. Business. 

Number. Amount. Number. Amount. 

In force January 1, . . 3,384 $12,411,750 00 2,414 $8,800,000 00 

Written during the year, . 2,923 9,196,825 00 1,684 5,206,575 00 

Total, .... 6,307 $21,608,575 00 4,098 $14,006,575 00 
Ceased during the year, . . 2,143 5,530,700 00 1,466 3,553,500 00 

In force December 31, . . 4,164 $16,077,875 00 2,632 $10,453,075 00 

Claims unpaid January 1, . 5 $6,365 00 5 $6,365 00 

Claims incurred during the year, 407 23,271 00 232 11,636 00 

Total, .... 412 $29,636 00 237 $18,001 00 

Claims paid during the year, . 407 24,41100 236 13,14100 

Claims unpaid December 31, . .5 $5,225 00 1 $4,860 00 



MASSACHUSETTS NATIONAL LIFE ASSOCIATION. 



361 



MASSACHUSETTS NATIONAL LIFE ASSOCIATION, WESTFIELD, 

MASS. 

[Incorporated Dec. 7, 1895. Commenced business Doc. 9, 1895.] 

Geo. D. Eldridge, President. Ralph Marden, Secretary. 



Income during 1895. 



For assessments, 
From all other sources, 



,442 52 
2,451 30 



Total income, $18,893 82 



Disbursements during 1895. 



For salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
advances to officers and agents, 
incidentals, . . . 

Total disbursements, . 



Balance, 



$1,079 02 




191 13 




193 66 




775 00 




269 01 







2,507 82 




$16,386 00 



Invested in the following : — 

Assets as per Ledger Accounts. 

Agents' ledger balances, 

Cash in office, . . . . . . 

Cash in bank 



Ledger assets, as per balance, . 
Less agents' balances, . . . 



Total, 



$5,363 53 
1,276 74 
9,745 73 


$16,386 
5,363 


00 
53 


$11,022 47 



Borrowed money, 

Balance, net assets, 



Liabilities. 



2,451 30 



5,571 17 



Written during the year, 
In force December 31, . 



Business of 1895. 

Total Business. Mass. Business. 

Number. Amount. Number. Amount. 

. 821 $1,805,500 614 $1,222,000 

. 821 1,805,500 614 1,222,000 



362 



MERCANTILE MUTUAL ACCIDENT ASSOCIATION. 



MERCANTILE MUTUAL ACCIDENT ASSOCIATION, BOSTON, MASS. 

[Incorporated Jan. 4, 1881. Commenced business Jan. 24, 1881.] 

Charles D. Nash, President. Herbert E. Stevens, Secretary, 

Office, 40 Water Street. 



Income during 1895. 
For membership fees, 

assessments, ...... 

interest, . . . . . . 

advances to agents repaid, 

From all other sources, 



Total income, 
Balance on hand Dec, 31, 1894, 



Total, 



Disbursements during 1895. 



For losses and claims, 

salaries and commissions to agents, 

salaries of officers and employees, 

medical examiner's fees, . 

rent, advertising and printing, 

advances to agents, . 

incidentals, 

Total disbursements, 



Balance, 



11,513 69 
1,067 45 
4,956 38 
2,331 13 
1,974 30 
603 00 
1,859 11 



Invested in the following : — 

Assets as per Ledger Accounts. 



Cash in office, 
Cash in bank, 



Ledger assets, as per balance, . 

Liabilities. 



Advance assessments, 
Balance, net assets, 



$657 50 

17,723 91 

886 00 

439 46 

761 85 



,468 72 
14,501 83 

$34,970 55 



24,305 06 
$10,665 49 



$734 15 
9,931 34 

,665 49 

43 00 
$10,622 49 



Contingent Assets (or Resources). 
Assessment called and not jet due, . . $2,000 00 

due and unpaid, .... 500 00 

not yet called for losses unadjusted, 540 00 



Total due from members, 
Deduct estimated cost of collection, 
Net amount due from members, 



1,040 00 
304 00 



$2,736 00 



merchants' and manufacturers' life association. 3G3 



Contingent Liabilities. 
Losses in process of adjustment (4), 

Business op 1895. 



$540 00 





Total Business. 


Mass. Business. 




Number. 


Amount. Number. 


Amount. 


In force January 1, 


. 1,396 


$4,988,000 00 


1,017 


$3,782,000 00 


Written during the year, 


. 243 


988,000 00 


88 
1,105 


365,250 00 


Total, 


. 1,639 


$5,976,000 00 


$4,147,250 00 


Ceased during the year, . 


. 160 


379,875 00 


85 
1,020 


181,875 00 


In force December 31, . 


. 1,479 


$5,596,125 00 


$3,965,375 00 


Claims unpaid January 1, 


21 


$7,836 00 


10 


$6,017 00 


Claims incurred during the year, 82 


4,217 00 


55 
65 


2,899 00 


Total, 


. 103 


$12,053 00 


$8,916 00 


Claims paid during the year, 


99 


11,513 00 


63 


8,742 00 



Claims unpaid December 31, . 



$540 00 



$174 00 



MERCHANTS' AND MANUFACTURERS' LIFE ASSOCIATION, 

WESTFIELD, MASS. 

[Incorporated Nov. 7, 1894. Commenced business Jan. 3, 1S95.] 

R. M. Fairfield, President. E. L. Goodnow, Secretary. 



Income during 1895. 

For membership fees, 

annual dues, 

assessments, . . . . . . 

medical examiner's fees paid by applicant, 
interest, . . . , . ... 



$11,219 50 

4,731 18 

8,778 28 

3,196 00 

40 00 



Total income, $27,964 96 



Disbursements during 1895. 

For losses and claims, $5,000 00 

advance payments returned to rejected 

applicants, 143 91 

salaries and commissions to agents, . . 13,023 04 

salaries of officers and employees, . . 1,622 50 

medical examiner's fees, .... 3,214 50 

incidentals, . . . . . 1,299 09 
Total disbursements, .... 



Balance, 



24,303 04 
$3,661 92 



364 



MUTUAL EE SERVE FUND LIFE ASSOCIATION. 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of bonds and stocks owned, .... 

Cash in office, 

Cash in bank, 



$2,070 00 

199 10 

1,392 82 



Ledger assets, as per balance, . 



Written during the year, 
Ceased during the year, . 

In force December 31, . 



Business op 1895. 

Total Bdsinkss. Mass. 

Number. Amount. Number. 

. 1,598 $2,258,000 00 1,592 $ 
. 190 239,000 00 189 



1,661 92 



Business. 
Amount. 

12,246,000 00 
237,000 00 



. 1,408 



1,019,000 00 1,403 $2,009,000 00 



Claims incurred during the year, 3 
Claims paid during the year, . 3 



$5,000 00 3 

5,000 00 3 



$5,000 00 
5,000 00 



"MUTUAL RESERVE FUND LIFE ASSOCIATION," 
NEW YORK, N. Y. 

[Incorporated 1875. Commenced business Feb. 9, 1381.] 

Frederick A. Burnham, President. Charles W. Camp, Secretary. 

Income during 1895. 
For membership fees, .... 



annual dues, 

assessments, ..... 
medical examiners 1 fees paid by applicant, 
interest, $143,544.01 ; rents, $154,084.26, 
advance assessments, . 
From all other sources, .... 



Total income, . 
Balance on hand Dec. 31, 1894, 



Total, 



Disbursements during 1895. 



For losses and claims, .... 
adjusting claims, .... 
cash dividends, bonds redeemed, policies 

surrendered, etc., . 
advance payments returned, 
salaries and commissions to agents, . 
salaries of officers and employees, . 
medical examiners 1 fees, . 
rent, taxes, advertising and printing, 



[,084,074 92 
87,976 95 

9,972 64 

1,628 29 

635,670 37 

368,074 41 

81,431 84 

421,195 17 



$328,740 92 

788,287 59 

4,072,439 44 

68,726 00 

297,628 27 

18,318 56 

1,140 78 

^5,575,281 56 
4,246,143 90 

^9,821,425 46 



MUTUAL RESERVE FUND LIFE ASSOCIATION. 



365 



For agency expenses, 
actuarial expenses, 
legal expenses, . 
postage, 

travelling expenses, . 
investment expenses, . 
general office expenses, 
Total disbursements, . 

Balance, . , 



$22,593 29 

10,377 00 

2,465 33 

34,461 71 

8,573 11 

1,500 00 

84,114 18 



85,854,109 21 

5,967,316 25 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost of real estate, 

Loans on mortgages, ....... 

Cost value of bonds and stocks owned, . 

Agents 1 ledger balances, ....... 

Cash in office, 

Cash in bank, . . . 

Furniture and fixtures, 



. $526,657 92 

. 1,844,200 00 

262,617 83 

314,462 59 

632 94 

977,104 20 

41,640 77 

Ledger assets, as per balance, $3,967,316 25 

Less agents' balances and furniture and fixtures, . . . 356,103 36 

Total, $3,611,202 89 



Non-invested Assets. 

Interest due, $4,052.53 ; accrued, $16,397.56, . $20,450 09 
Rents due, $3,593.70 ; accrued, $3,433.33, . . 7,027 03 
Market value of real estate over cost and in- 
cumbrances, 8,631 46 

Market value of bonds and stocks over cost, . 13,333 23 
Total non-invested assets, . 



Gross assets, 



49,441 81 
$3,660,644 70 



Liabilities. 



Advance assessments and dues, 

Outstanding bond obligations, . 

Total actual liabilities, 



II 42,594 04 
314,396 24 



456,990 28 



Balance, net assets, $3,203,654 42 

Contingent Mortuary Assets (or Resources). 



Assessment called and not yet due; . 
due and unpaid, 
not yet called for losses reported 

Total due from members, . . , 
Deduct estimated cost of collection, . , 
Net amount due from members, 



$674,855 90 

72,680 99 

291,605 18 

$1,039,142 07 
103,914 20 



$935,227 87 



366 THE NATIONAL LIFE-MATURITY INSURANCE COMPANY. 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (99), . . . $337,450 00 

in process of adjustment (118), . . 425,939 22 

reported, not in process (123), . . 291,605 18 

resisted (14), . . '. . . 74,760 00 

Total contingent moituary liabilities, . 



^,129,754 40 



Business of 1895. 

Total Business. Mass. Business. 

Number. Amount. Number. Amount. 

.96,067 1293,366,106 00 2,218 $7,764,950 00 

.23,526 59,738,790 00 647 1,563,000 00 



In force January 1, 
Written during the year, 

Total, 
Ceased during the year, . 

In force December 31, . 

Claims unpaid January 1, . 258 $1,445,257 00 
Claims incurred during the year, 1,206 3,768,572 00 



119,593 $353,104,896 00 2,865 
. 13,715 44,445,525 00 228 



30 



Total, .... 1,464 $5,213,829 00 31 
Claims paid during the year, . 1,110 4,084,075 00 29 

Claims unpaid December 31, . 354 $1,129,754 00 2 



1,327,950 00 
792,000 00 



105,878 $308,659,371 00 2,637 $8,535,950 00 



$15,000 00 
94,000 00 

$109,000 00 
98,600 00 

$10,400 00 



"THE NATIONAL LIFE-MATURITY INSURANCE COMPANY," 

WASHINGTON, D. C. 

[Incorporated Feb. 2, 1884. Commenced business May 3, 1883.] 

Horatio Browning, President. Henuy K. Beck, Secretary 



Income during 1895. 

For annual dues, 

assessments, mortuary, $203,756.39 ; expense, $11,973.57, 

interest, ..... 
From all other sources, 



Total income, . . 
Balance on hand Dec. 31, 1894, 

Total, ....... 



$67,291 00 

215,729 96 

21,825 66 

1,604 50 



$306,451 12 
357,345 60 



$663,796 72 



Disbursements during 1895. 

For losses and claims, $111,073 37 

surrender values, . . . 108,273 27 

advance payments returned, . . . 252 10 

salaries and commissions to agents, . . 25,065 89 



THE NATIONAL LIFE-MATURITY INSURANCE COMPANY. 367 



For salaries of officers and employees, . 
medical examiner's fees, . 
rent, taxes, advertising and printing, 

legal expenses, 

profit and loss, 

mortuary assessments paid by application 

of reserves, 

incidentals, 

Total disbursements, .... 



Balance, 



$12,148 47 

3,539 50 

6,809 06 

913 25 

3,297 16 

16,410 19 
14,259 63 



Invested in the following: — 

Assets as per Ledger Accounts 
Loans on mortgages, .... 
Loans secured by pledge of bonds, stocks, etc 
Cost value of bonds and stocks owned, . 
Agents 1 ledger balances, .... 

Cash in office, 

Cash in bank, ...... 

Personal property, 



Ledger assets, as per balance, . 
Less personal property and agents' balances, 



Total, 



Non-invested Assets. 
Interest due, $4,192.70 ; accrued, $2,854.60, . 

Gross assets, 

Liabilities. 



$302,041 89 



$361,754 83 



,701 47 
81,001 18 
58,200 93 
34,924 45 
10,024 14 
15,198 42 
1,704 24 



$361,754 83 
36,628 69 



$325,126 14 



7,047 30 



Borrowed money, 

Balance, net assets, . 

Contingent Mortuary Assets (or Resources), 
Assessment called and not yet due, . . . $48,205 49 
due and unpaid, .... 7,108 83 

not yet called for losses unadjusted, 60,650 00 
resisted,$l,700; and reported, $2 1,000, 22,700 00 



$332,173 44 
11,500 00 



$320,673 44 



Total due from members, . 
Deduct estimated cost of collection, . 
Net amount due from members, . 



$138,664 32 
6,933 22 



$131,731 10 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (13), . . . $14,500 00 



in process of adjustment (25), 
reported, not in process (9), . 
resisted (2), .... 
Total contingent mortuary liabilities, 



60,650 00 

21,000 00 

1,700 00 



$97,850 00 



368 



NEW ENGLAND LIVE STOCK INSURANCE COMPANY. 



In force January 1, 
Written during the year, 

Total, 
Ceased during the year, . 

In force December 31, , 



Business of 1895. 

Total Business. 
Number. Amount. 

. 12,720 $13,690,822 00 
. 1,029 1,697,105 00 



Mass. Business. 
Number. Amount. 

1,928 $3,299,577 00 
46 96,705 00 



. 1,186 



Claims unpaid January 1, . 53 
Claims incurred during the year, 7 1 

Total, . . . .124 
Claims paid during the year, . 75 



Claims unpaid December 31, . 49 



$15,387,927 00 
1,406,975 00 


1,974 

78 

1,896 

26 
25 

51 
23 

28 


$3,396,282 00 
165,125 00 


$13,980,952 00 

$95,200 00 
130,075 00 


$3,231,157 00 

$55,250 00 
51,875 00 


$225,275 00 
127,925 00 


$107,125 00 
63,475 00 


$97,350 00 


$43,650 00 



NEW ENGLAND LIVE STOCK INSURANCE COMPANY, BOSTON, 

MASS. 

[Incorporated April 12, 1888. Commenced business Oct. 13, 1888.] 

J. A. Harwood, President. Leonard Tillinghast, Secretary. 

Office, 120 Tremont Street. 



Income during 1895. 

For membership fees, 

assessments, mortuary, $31,170.60 ; expense, $9,876.46, 
medical examiner's fees paid by applicant, 



Total income, 
Balance on hand Dec. 31, 1894, 



Total, 



Disbursements during 1895. 



For losses and claims, 

salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
rent, advertising and printing, . 
incidentals, .... 

Total disbursements, . , , 



,814 29 
6,618 78 
2,676 80 
5,262 93 
1,867 02 
3,124 99 



$7,897 05 

41,047 06 

145 75 

$49,089 86 

4,732 95 

$53,822 81 



48,364 81 



Balance, 



>,458 00 



NEW ENGLAND LIVE STOCK INSURANCE COMPANY. 369 

Invested in the following : — 

Assets as per Ledger Accounts. 
Cash in office, ... ...... $3,297 80 

Cash in bank, 2,160 20 



Ledger assets, as per balance, , . • . . . $ 5,458 00 

Non-invested Assets. 
Furniture, f 750 00 

Contingent Assets (or Resources). 

Assessment called and not yet due, . . . $2,586 99 

due and unpaid, .... 1,059 67 

not yet called for losses unadjusted, 5,498 51 

Total due from members, . . . . — $9,145 17 

Contingent Liabilities. 

Losses adjusted, not yet due (36), . . . $4,200 00 

in process of adjustment (8), . . 975 00 

resisted (4), 800 00 

Total contingent liabilities, . . . - — — — — $5,975 00 

Business op 1895. 

Total Business. Mass. Business. 

Nnmber. Amount. Number. Amount. 

In force January 1, . . . 4,212 $542,577 00 4,040 $521,691 00 
Written during the year, . 2,503 287,921 00 2,443 281,421 00 



Total, . . . . 6,715 $830,498 00 6,483 $803,112 00 
Ceased during the year, . . 3,138 425,503 00 3,030 411,592 00 



In force December 31, . . 3,577 $404,995 00 3,453 $391,520 00 

Claims unpaid January 1, . 59 $6,598 00 59 $6,598 00 

Claims incurred during the year, 243 28,851 00 236 27,826 00 



Total, . . - . .302 $35,449 00 295 $34,424 00 

Claims paid during the year, . 254 29,474 00 24